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通过构建可变参数的状态空间模型,采用1999～2010年的季度数据,对影响寿险需求的主要经济因素,收入、利率及通货膨胀和寿险需求之间的关系,进行实证研究。结果显示,收入是影响寿险需求的主要因素,但在不同的时期内其影响程度不同;利率对寿险需求的影响和资本市场的发展相关;通胀对寿险需求的影响和寿险险种的构成及新型寿险所占比例有关。
By constructing a state space model of variable parameters and using the quarterly data from 1999 to 2010, this paper conducts empirical research on the relationship between the major economic factors that affect life insurance demand, income, interest rates, inflation and life insurance needs. The results show that income is the main factor affecting the demand for life insurance, but the impact is different in different periods; the impact of interest rate on life insurance demand is related to the development of capital market; the impact of inflation on life insurance demand and the composition of life insurance and new life insurance The proportion of related.