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我国寿险业已完成了从保障型产品向投资型产品的转变,但其中的发展过程却非一帆风顺。本文从需求的角度,运用灰关联分析法,探求各种需求因素对投资型寿险产品的影响程度。通过实证分析可知,投资型寿险产品的替代效应极为明显,而通货膨胀率、储蓄率却与投资型产品需求的关联度较低。这些结论有助于科学、深刻地认识我国投资型寿险产品的曲折发展状况,有助于更加准确把握投资型寿险产品的市场定位,促进我国寿险业的健康发展。
China’s life insurance industry has completed the transition from a guaranteed product to an investment-oriented product, but the development process therein is not easy. From the perspective of demand, this paper uses gray relational analysis to explore the impact of various demand factors on investment-based life insurance products. Empirical analysis shows that the substitution effect of investment-based life insurance products is very obvious, while the inflation rate and saving rate are less related to the demand for investment-based products. These conclusions are helpful to scientifically and profoundly understand the twists and turns of investment-type life insurance products in our country, help to more accurately grasp the market positioning of investment-type life insurance products and promote the healthy development of China’s life insurance industry.