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百博(Babbel)等人用实证分析的方法,得出保险需求与保险产品价格负相关、保险需求价格弹性不大两个命题。本文用线性回归的方法对我国某地区近两年保险业的统计数据进行分析,得出的结果与这两个命题相吻合。并且提出通过价格政策提高保险需求效果有限及通过价格管制提升保险行业效益难以奏效等结论。
Babbel and others use the empirical analysis method to conclude that the insurance demand is negatively related to the insurance product price and the insurance demand price elasticity is not big. In this paper, we use the linear regression method to analyze the statistics of the insurance industry in a certain area of our country in recent two years, and the results are consistent with these two propositions. And put forward the conclusion that it is ineffective to raise the demand for insurance through the price policy and the benefit of the insurance industry through price control.