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保险需求对于保险业的发展具有决定性意义,经济学上讲的保险需求是指保险的有效需求,衡量保险需求的指标主要为保费收入。本文拟使用贵州省保险业1983年至2012年30年的历史数据,建立计量经济模型,对影响贵州省商业保险需求的因素进行了定量分析。为消除共线性,本文的最终模型只保留了地区生产总值和人口数量两个变量,但并不代表固定资产投资、人均消费水平和居民储蓄对保险需求没有影响。
Insurance demand is decisive for the development of the insurance industry. In terms of economics, insurance demand refers to the effective demand of insurance. The index that measures insurance demand is mainly premium income. This article intends to use the historical data of insurance industry in Guizhou Province from 1983 to 2012 for 30 years and establish a econometric model to quantitatively analyze the factors affecting commercial insurance demand in Guizhou Province. In order to eliminate collinearity, the final model of this paper only retains two variables, GDP and population. However, it does not mean that investment in fixed assets, per capita consumption level and household savings have no effect on insurance demand.