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本文通过建立湖南寿险需求函数的计量模型,估算了地区生产总值、居民收入、利率变动趋势和社会保障制度改革对寿险需求的影响,并计算相应的弹性值。理论和实证结果表明,这四种因素是影响湖南寿险需求的决定因素,因此本模型有助于深入了解湖南寿险市场,有利于在湖南建立正确的寿险营销策略。
In this paper, we establish the econometric model of Hunan life insurance demand function to estimate the impact of regional GDP, household income, interest rate changes and social security reform on life insurance demand, and calculate the corresponding elasticity values. The theoretical and empirical results show that these four factors are the determinants of the demand for life insurance in Hunan. Therefore, this model helps to understand the life insurance market in Hunan and helps to establish the correct life insurance marketing strategy in Hunan.