论文部分内容阅读
采用预防性储蓄研究框架,通过建立纳入不确定因素的效用函数模型,分析了寿险产品中年金产品和非年金产品影响消费内需的机制及效果,并对2010年中国各地区及世界主要国家的寿险业发展和消费内需水平进行了横向比较。本文的研究表明,寿险业对于消费内需的作用机制在于:通过“风险汇聚”和“损失分担”的机制,消除居民面临的损失、收入、支出以及寿命的不确定性,使居民对未来形成稳定的预期,从而降低居民的预防性储蓄,增加现期消费。因此,寿险业对于消费内需具有重要的拉动作用。
By using the framework of preventive savings research, this paper analyzes the mechanism and effect of annuity products and non-annuity products on consumer demand in life insurance products through the establishment of utility function model which incorporates uncertainties. And the paper analyzes the life insurance policies of various regions and major countries in the world in 2010 The level of domestic demand and consumer demand for a horizontal comparison. The research in this paper shows that the mechanism of the life insurance industry on consumer domestic demand is to eliminate the residents’ loss, income, expenditure and uncertainty of life by means of a mechanism of “risk pooling” and “loss sharing” so that residents Form a stable expectation for the future so as to reduce residents’ precautionary savings and increase current consumption. Therefore, the life insurance industry has an important stimulating effect on consumer domestic demand.