| Since our country formally restored the life insurance business in 1982,the life insurance industry in our country has developed rapidly.It has provided a growing number of life insurance products for the public,and the life insurance industry in our country has increased in the insurance industry and even the whole national economy.China has entered an aging society since the beginning of twenty-first Century,and the aging of the population,as the current and future trend of population development in China,is an important background of China’s macro economy and an important factor affecting the development of life insurance industry.Therefore,this article links the population aging with the total amount of life insurance demand in China,and seeks to explore the impact of the aging of the population on the life insurance demand through qualitative and quantitative analysis.In the course of the study,we first take population aging as an explanatory variable,at the same time,innovatively,aiming at the special characteristics of our country,which is not rich and old,and construct characteristic indexes,and select the GDP,CPI,seven days reverse repo rate,the per capita disposable income of urban and town residents,the education level and the old 8 indexes from three aspects of macro economic,social and demographic factors,and the demand for life insurance.Multiple linear regression models were established for influencing factors.Through empirical analysis,we can find that,with the deepening of aging in China,the demand for life insurance in China has also increased.In addition,this paper has found that the social wealth of the elderly population has a positive impact on the demand of life insurance by constructing the special index of "not rich and old" in China.Based on our research,we believe that with the deepening of the aging of population in China,the development of life insurance industry in China will be huge. |
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