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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。
2、首先，从理论上分析经济因素，人口因素，保险替代品因素，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：人身保险；需求量；经济；人口ABSTRACTNowadays,theruralsissueisahottopicofcommonconcerntothesociety,andthekeywa
3、ytosavetheproblemsisdevelopingtheruraleconomicsystem.Alongwiththeestablishmentandperfectionofruralmarketeconomicsystem,diversificationofproductionandoperationoffarmers’development,andruralindustrialstructureadjustment,theruralfinancialmarketinconstantlychanginghouse
4、holds’creditdemand,sothatmakingadeepsurveytoknowthefarmers’economicdemandandstudyingthemainfactorstoknowthetrendoffarmers’demand,improvethefarmer'screditmarketsisparticularlyurgentandnecessary.ThepaperbasedonrelevantresearchresultsathomeandabroadStartsfromthehouseho
5、lds’creditorigin,concept,theoreticalbasisandsignificance,thepresentsituationofthestructureofhouseholdscredit’sdemandandcomprehensiveanalysisaboutthefarmersinZhejiangprovince,thispaperdiscussesexistingproblems.Firstly,throughthebasicinformationfromfarmers,families,cr
6、edits’experienceandlocalfinancialecology,studiestheinfluencefactorsofpeasanthouseholdscredit’sdemand.AndthenchoosingsomefarmersinZhejiang,doaquestionnairesurveytostudyruralresidentsinZhejiangprovinceaboutthepresentsituationofthestructureabouthousehold’creditdemand.S
7、econdly,wedividedthehouseholdcreditdemandsintoconsumercreditandproductiondemand,usingtheprobitmodelstudythestructureandtheinfluencingfactors.Finally,basedonthecurrentsituationanalysisandempiricalresearch,weputforwardthedevelopmentcounter-measurestoimprovethehousehol
8、ds’creditdemand.Inordertothestructureoftheruralcredit,improvetheruralfinancialmarketservicesystemtoprovidecertainreference.Keywords:person
