摘要
将影响财产保险需求的因素分为宏观性间接因素和结构性直接因素两大类,进而选择新增汽车拥有量、固定资产投资、民事案件受理数量和出口贸易总值等四个具有代表性的结构性直接变量,利用1980年～2009年我国的时间序列数据,运用脉冲响应和方差分解的方法考察了各因素对产险需求影响的动态特征,以及这些影响因素的相对重要性。实证结果较好地解释了产险内部各子险种需求的动因,以及产险内部险种结构严重失衡的内因。
This study categorized the influencing factors of the property insurance demand into macro indirect factors and structural direct factors, and then selected four representative structural variables such as new car sales, fixed asset investment, acceptance of civilian cases and total exports as independent variables. Using time series data from 1980 to 2009, this study investigated the dynamic impact of these factors on the property insurance demand, as well as the relative importance of these factors through impulse response function and variance decomposition method. Empirical results successfully explained the determinants of the demand for property insurance, as well as the internal structure imbalance of property insurance.
出处
《保险研究》
CSSCI
北大核心
2012年第1期71-77,共7页
Insurance Studies
关键词
产险需求
险种结构
直接因素
脉冲响应
方差分解
property insurance demand
structural direct factors
impulse response
variance decomposition
