摘要
人口因素是影响保险业发展的重要变量,人口总量、人口的结构因素等对保险需求和保险业发展都具有重要影响。文章指出目前影响中国保险业发展的人口因素中,主要是人口结构因素在发挥作用。中国保险费收入的总量较高,但保险密度和保险深度却远低于世界平均水平,这既是中国人口和经济的规模因素在保险业上的凸现,也是收入水平、城市化水平和教育水平等因素的作用。
Among all factors affecting the development of insurance industry, population factor is the most important one. The a mount and structure of population have significant impact on insurance demand, and in turn influences the development of insurance industry. The paper shows that although the total premium income is large, insurance density and insurance pen etration in China are much lower than the world average level. This can be attributed to the income level, urbanization and educational level etc.
出处
《中国人口科学》
CSSCI
北大核心
2005年第1期74-80,共7页
Chinese Journal of Population Science
