| 我国寿险需求的结构分析 |
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| 引用本文： | 刘新红,彭瑾,刘正军,尤熙,刘羽轩.我国寿险需求的结构分析[J].北京石油化工学院学报,2010,18(4):55-59. |
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| 作者姓名： | 刘新红 彭瑾 刘正军 尤熙 刘羽轩 |
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| 作者单位： | 北京石油化工学院数理系,北京,102617;北京石油化工学院数理系,北京,102617;北京石油化工学院数理系,北京,102617;北京石油化工学院数理系,北京,102617;北京石油化工学院数理系,北京,102617 |
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| 摘 要： | 在既有研究成果的基础上,结合我国实际情况,综合考虑了影响我国寿险需求的经济因素、政策因素、人口因素、科技因素,并引入虚拟变量来反映1995年我国《保险法》和一系列配套行政法规及部门规章制度制定以后对保险业的影响。以1990~2008年的相关数据为基础,运用多元线性回归、岭回归等统计方法,借助SPSS13.0统计软件,通过建立岭回归模型对上述因素进行定量分析,对寿险需求进行结构分析。结果表明：居民收入是寿险需求的决定性影响因素,而GDP、社会保障支出、科技投入、人口因素对寿险需求都有正的效应,而通货膨胀对寿险需求有抑制作用。
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| 关 键 词： | 多元线性回归 岭回归 共线性 单位根检验 协整 |
Analysis the Structure of Insurance Demand in China |
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| Liu Xinhong,Peng Jin,Liu Zhengjun,You Xi,Liu Yuxuan.Analysis the Structure of Insurance Demand in China[J].Journal of Beijing Institute of Petro-Chemical Technology,2010,18(4):55-59. |
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| Authors: | Liu Xinhong Peng Jin Liu Zhengjun You Xi Liu Yuxuan |
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| Affiliation: | Liu Xinhong Peng Jin Liu Zhengjun You Xi Liu Yuxuan(Department of Mathematics and Physics,Beijing Institute of Petro-chemical Technology,Beijing 102617,China) |
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| Abstract: | In this paper,firstly,the relevant fundamental theoretical knowledge of multiple linear regression analysis is outlined,then several factors which influence the growth of life insurance industry from the qualitative aspect were analyzed,such as GDP,residents disposable income,population and its structure,social security expenditure,inflation,and scientific and technological input.Secondly,the multiple linear regression method and ridge regression were applied to analyze the factors mentioned above by using ... |
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| Keywords: | multiple linear regression ridge regression multi-collinearity unit root test co-integration |
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