人口与经济

人口老龄化对寿险需求的影响研究—基于辽宁省数据的实证分析

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作者：张庆君¹, 郜亮亮², 苏明政³

单位： 1. 渤海大学财政金融研究中心, 辽宁锦州 121013;
2. 中国社会科学院农村发展研究所, 北京 100732;
3. 东北财经大学金融学院, 辽宁大连 116025

关键词：人口老龄化;寿险需求;保费收入

分类号：F840.67

出版年,卷(期):页码：2013,34(3):97-103

摘要：

人口老龄化问题越来越引起社会各界的广泛关注,本文以人口老龄化为研究背景,从人口老龄化的指标入手,对辽宁省人口老龄化的特征进行了研究,发现辽宁省人口老龄化程度日趋加强,表现为老年抚养指数明显增强,少儿抚养指数明显降低。然后,本文结合寿险需求理论,提出人口老龄化会引起居民对寿险产品需求的增加,并结合辽宁省寿险产品保费收入情况,对人口老龄化导致寿险需求增加的问题进行了实证研究,认为人口老龄化会使居民对寿险需求的渴望程度增强,寿险产品开发和发展有一定的需求空间和需求市场。

The problem of aging population is becoming more and more concerned,based on an aging population as the research background,this paper analyze the character and the present situation of the population aging in Liaoning province. We found that,as the elderly dependency ratio increased and child dependency ratio decreased,which implied that the population of Liaoning province aging quickly. Then,combining with the life insurance demand theory,this paper puts forward an aging population will increase residents demand for the life insurance product.Connecting with the life insurance premium income products in Liaoning province,we analyze the aging of population lead to life insurance demand increasing problems in the empirical research,and found,an aging population will increase the life insurance demand,the life insurance product development has a certain demand space and demand market.

基金项目：

辽宁省财政基金项目"财政分权视角下辽宁社会保障财政支付能力研究"(12C006);辽宁省社会科学基金项目"辽宁新型农村社会养老保险试点跟踪研究"(L11BJY012);辽宁省保险学会课题"人口老龄化对辽宁寿险需求的影响研究"(2013iilzkt07)

作者简介：

张庆君(1974-),辽宁大连人,渤海大学财政金融研究中心教授。研究方向:人口与社会保险。

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