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本文以我国寿险市场为背景,通过建立包括保险决策的资产选择的动态连续时间模型,给出了保险产品价格成本效应对寿险需求影响的理论分析,并通过具体的数据分析讨论了模型的意义。本文还实证研究了目前我国保险市场一些主要的保障型寿险产品的附加保费因子及其对我国居民保险需求的影响。这在某种程度上解释了我国目前保障性保险需求不足的现象。同时本文实证分析的结果显示我国的保障性保险还远没有满足我国居民的潜在需求,并针对这种现象提出了相关的政策建议。
Based on the background of China’s life insurance market, this paper gives a theoretical analysis of the impact of the cost-price effect of insurance products on life insurance demand through the establishment of a dynamic continuous-time model of asset selection including insurance decision-making. The significance of the model is discussed through concrete data analysis. This paper also empirically studies the additional premium factors of some major life insurance products in China’s insurance market and their impact on the insurance demand of residents in China. To some extent, this explains the current lack of protection in our country. At the same time, the result of empirical analysis shows that our country’s insurable insurance is still far from meeting the potential demand of Chinese residents and proposes relevant policy suggestions in response to this phenomenon.