摘要
本文将收入划分为不同的阶段，考察不同收入水平下寿险需求的不同特征。结果表明，不同收入阶段的寿险需求有着不同的收入弹性，人均GDP在1000-3000美元时寿险需求的收入弹性最大，小于1000美元时次之，人均GDP超过3000美元之后，寿险需求仍会保持高速增长，但收入弹性逐步降低。中国寿险业要抓住收入弹性较高的有利时期，加快发展。
This paper categorizes people＇s income levels into different bands and studies the features of life insurance demands of each of them. It reaches the conclusion that different income band has different elasticity for life insurance demands. The elasticity is the largest for the band of USD 1000 -3000 per capita, followed by the USD 1000 and below band. When people＇s income exceeds USD 3000 per capita, demands for life insurance will continue to increase sharply, but the income elasticity decreases steadily. Chinese life insurers should capture the window of opportunity when income elasticity is relatively high to accelerate their development.
出处
《保险研究》
CSSCI
北大核心
2006年第10期31-35,共5页
Insurance Studies
关键词
寿险需求
回归分析
收入弹性
life insurance demands
regression analysis
income elasticity
