| Commercial endowment insurance as a supplementary instrument of the social insurance, plays an important role for the retiree. With the growing aging population, the core family gradually become the mainstream of the society, more and more single children families have been appeared, the problem of supporting old people is becoming more attractive. Although, the social endowment insurance system is more perfect than before in our country, and is gradually universal, the level of social endowment insurance is low, can only guarantee the basic life after retirement.Social endowment insurance funds realize the basic balance, but regional unbalanced is developing, pension funds problem attracts more and more attention, whether can receive the retirement pension funds has become the focus of people. The commercial endowment insurance as the "third pillar" on the one hand can guarantee the later life on the other hand can realize the function of compulsory savings. Thus the commercial endowment insurance is particularly important. As a student of insurance, I just stand in the insurer’s position to research the development potential, thus give some methods to improve the commercial endowment insurance.Considering the availability of data, this article selects the Beijing as the research object. I mainly use the factor analysis and cluster analysis of multivariate statistics method to research the 16 city commercial endowment insurance development potential. Through the analysis of the influencing factors of commercial endowment insurance, I select 12 main factors as evaluation index. Firstly,I test the 12 statistic factors, check whether they are suitable for factor analysis, and the inspection method is to use KMO statistic and Bartlett sphere test, the test shows that the 12 factors are suitable for factor analysis. Then according to the cumulative variance contribution rate and characteristic root extract common factor, in this paper, a total of extract three common factors: the fundamental factor, the supporting factor, the dominant factor. According to the factor score coefficient calculation of Beijing 16 city commercial endowment insurance development potential composite scores, and sorted. Finally, I use the cluster analysis to classify the results of factor analysis.The empirical results show that the Beijing 16 regionsare divided into five categories. The first kind of areas including two regions: ChaoYang and HaiDian. The development potential for commercial endowment insurance is highest overall areas; The second type includes only one city that isXiCheng district, for commercial endowment insurance development potential is higher overall urban area; The third kind includes the DongCheng district, the ShiJingshan district, the potential for commercial endowment insurance development is generaloverall urban area; The fourth class includes FengTai, DaXing district, ChangPing district, ShunYi district, FangShan district, TongZhou district, YanQing area, the development potential for commercial endowment insurance is just so so; Fifth class including MenTougou district, Miyun area, Huairou district, Pinggu district, these area should be exploited for commercial endowment insurance market.At last I put forward several suggestions for different areas: the first and the second category region, determine the "fist" is planted, and planted layers; The third type of region, is planted in pay attention to affordable, and pay attention to improve the level of marketing personnel quality, service, etc., stimulate people’s purchase desire; Iv region, due to the floating population is more, so we should pay attention to the development of insurance products designed for mobile people, and to establish commercial endowment insurance nationwide network platform, attract more of the floating population to buy; Class 5 areas, mainly through expanding propaganda to improve residents’ awareness of insurance, develop the old-age community at the same time. |
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