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1、2014 届本科毕业论文题 目 浙江省人身保险需求的影响因素分析 学院专业 经济管理学院金融学 二 O 一五年四月二十五日摘摘 要要经济问题是当今社会普遍关注的热点话题，随着保险经济体制的建立与完善、人身保险多元化生产经营的发展以及人身保险需求结构的调整，浙江省人身保险需求结构在不断变化。因此，深入调查浙江省人身保险需求状况并分析影响需求结构的主要因素，厘清人身保险需求的动态变化趋势、提升金融市场效率具有重要的现实意义。本文从人身保险的起源、概念、理论基础和意义着手，基于国内外相关研究成果，对浙江省人身保险需求结构的现状及存在的问题进行全面的分析。首先，从理论上分析经济因素，人口因素，保险替代
2、品因素，社会文化因素四个角度对于人身保险需求量的影响。其次，将浙江省人身保险需求通过 SPASS 对经济因素，人口因素，保险替代因素及社会文化因素进行分析。最后，基于现状分析与实证研究，提出改善我省人身保险需求的发展对策，为调整浙江省人身保险结构、完善金融市场服务体系带提供一定的借鉴与参考。关键词：关键词：人身保险；需求量；经济；人口ABSTRACTNowadays, the rurals issue is a hot topic of common concern to the society, and the key way to save the problems is developi
3、ng the rural economic system. Along with the establishment and perfection of rural market economic system, diversification of production and operation of farmers development, and rural industrial structure adjustment, the rural financial market in constantly changing households credit demand, so tha
4、t making a deep survey to know the farmerseconomic demand and studying the main factors to know the trend of farmers demand, improve the farmers credit markets is particularly urgent and necessary.The paper based on relevant research results at home and abroad Starts from the households credit origi
5、n, concept, theoretical basis and significance, the present situation of the structure of households credits demand and comprehensive analysis about the farmers in Zhejiang province, this paper discusses existing problems. Firstly, through the basic information from farmers, families, creditsexperie
6、nce and local financial ecology, studies the influence factors of peasant households credits demand. And then choosing some farmers in Zhejiang, do a questionnaire survey to study rural residents in Zhejiang province about the present situation of the structure about household credit demand. Secondl
7、y, we divided the household credit demands into consumer credit and production demand, using the probit model study the structure and the influencing factors. Finally, based on the current situation analysis and empirical research, we put forward the development counter-measures to improve the house
8、holds credit demand. In order to the structure of the rural credit, improve the rural financial market service system to provide certain reference.Keywords: personal insurance; demand; population目目 录录摘摘 要要.Abstract.目目 录录.一、引言一、引言.1（一）研究背景及意义.1（二）主要研究内容与方法.2二、文献综述二、文献综述.2（一）国外有关研究.3（二）国内有关研究.4（三）小结.6三、浙江省人身保险需求的状况及问题分析三、浙江省人身保险需求的状况及问题分析.7（一）浙江省人身保险需求的现状.7（二）经济因素对于人身保险需求量的影响的理论分析.9（三）人口因素，保险替代因素，社会文化因素对于人身保险需求量影响的理论分析.12四、浙江省人身保险需求的影响因素实证研究四、浙江省人身保险需求的影响因素实证研究.12（一）样本和变量的选取及设置.12（二）模型的构建.14（三）实证结果及分析.15五、研究结论和浙江省人身保险发展对策五、研究结论和浙江省人身保险发展对策.18（一）研究结论.18（二）对策建议.18参考文献参考文献.20致谢致谢.22附件附件.
