This paper from home and abroad with the status quo of research in the field, the first use of the traditional statistical theory of the impact on personal insurance needs of a detailed analysis of factors. And then use the traditional measures of economic theory, the use of technology for OLS regression analysis, through empirical research papers selected by the correlation between variables, variables and paintings from the plot because of variables and trends, Granger causality test, Breusch-Godfrey since the relevant tests, using multiple regression method of linear examination to establish an econometric model. The results showed that the selected variables to explain the risk premium on personal income are affected, and the growth of the GDP and personal insurance industry is the development of their own personal risk insurance premium income growth of the fundamental cause; urban residents per capita disposable income variable non-stationary time Sequence; year time deposit rate and savings deposit balance of serious multiple linear model set does not exist since the related issues. On this basis, the article finally operable by the Promotion of Ningxia premium income of policy recommendations.
Key words: life insurance econometric model empirical analysis
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