东莞市人身保险需求研究[摘要]在国家大力推动商业保险的背景下，商业人身保险作为保障人们身体和生命的主力军，需要快速地扩大各地区人身保险地需求，东莞市位于粤港澳大湾区，本身就具有庞大的人身保险消费市场，所以研究东莞市人身保险需求的现状和需求影响因素，对扩大东莞市人身保险需求有极大地帮助。本文将通过理论分析得到影响人身保险需求的各项基本因素，并通过研究东莞市人身保险需求现状，确定了东莞市的人身保险市场存在的问题。所以第五部分将对影响东莞市人身保险需求的因素进行实证分析，通过计量软件 Eviews 9 对各因素进行多元回归分析发现通货膨胀率和城镇化率对东莞市人身保险需求存在较大的影响。最后向人身保险市场各主体提出改善东莞市人身保险需求的合理的意见。[关键词]东莞市人身保险需求；人均可支配收入；城镇化率；通货膨胀率Research on the Demand for Personal Insurance in Dongguan [Abstract]Under the background of the national promotion of commercial insurance, commercial life insurance, as the main force to protect people's body and life, needs to rapidly expand the demand for life insurance in various regions. Dongguan is located in Greater Bay Area, and has a huge life insurance consumption market. Therefore, studying the current situation and influencing factors of life insurance demand in Dongguan is of great help. This article will get the basic factors that affect the demand for personal insurance through theoretical analysis, and determine the existing problems in Dongguan's personal insurance market by studying the current situation of the demand for personal insurance in Dongguan. Therefore, the fifth part will make an empirical analysis of the factors that affect Dongguan's personal insurance demand. Through multiple regression analysis of various factors by measurement software Eviews 9, it is found that inflation rate and urbanization rate have a greater impact on Dongguan's personal insurance demand. Finally, the ...
