我國壽險(xiǎn)退保解約現(xiàn)象及其影響因素分析.pdf

1、華東師范大學(xué)碩士學(xué)位論文我國壽險(xiǎn)退保解約現(xiàn)象及其影響因素分析姓名：葉文華申請學(xué)位級別：碩士專業(yè)：金融學(xué)指導(dǎo)教師：曹雪琴20100501AbstractLifeinsurancemarketinChinaisdevelopingrapidlyaswellaspremiumincome，particularlyinrecentyearsHowevertheriskoflifeinsurancemarkethasbecomeincreasin

2、glyprominent；especiallyintheareaofsurrenderoflifeinsuranceSurrenderrateofChinaslifeinsurancemarketinrecentyearsshowrapidupwardtrend，surrenderproblemhasbecomeanimportantresearchareaininsuranceresearchareaBasingonChina’Sli

3、feinsurancemarket，thisarticlestudiedonthesurrenderphenomenon，hopingtofinditsfactorsFirstly，WecollectedandcollateddataonChineseprovincesandcitiessurrenderanddidregionalanalysisaccordingtodifferenteconomicdevelopinglevelWe

4、hopetogetregionalcharacteristicsoflifeinsurancesurrenderphenomenonandthenfindtheinternalconstraintsofinsurancesurrenderactioninpracticeinordertojudgetheScienceandrationalityofinsurancetheoryinthisareaSecondlythispaperdid

5、linearregressionanalysistofindrelationshipbetweensurrenderrateandGDPinordertofindareasonableexplanationontheregionalcharacteristicofsurrenderFinallythepaperdidempiricalanalysisonthefactorsoflifeinsurancesurrenderphenomen

6、onIntheselectionoffactors，thispaperaddedtheShanghaiCompositeindexdailyreturns，whichactsasanimportantindexofSubstitutioneffectoffinancialproducts，hopingtofindtherelationshipbetweensurrenderandsubstitutioneffectoffinancial

7、productsininsurancetheoryThispaperisdividedintothreepartsorsixchaptersThefirstpartwhichcontactschapter1asallintroductionpartintroducedthepaper’Sobjectthesurrenderoflifeinsurancemarketanditsfactorsandrelatedconceptionsofl

8、ifeinsurancesurrenderWhat’Smore，thispartsummarizedliteraturesonlifeinsurancesurrenderareaTheyprovidedthebasisforthispaperThesecondpartwhichactsasanimportparthasthreechapters，whichischapterI，chapterIIIandchapterIVChapterI

9、IfocusedontheregionalanalysisonChinalifeinsurancemarket’SsurrenderChapterIIIdidregressiononGDPpercapitalindifferentareaandthesurrenderrateChapterIVdidTimeseriesanalysisonrateoflifeinsurancemarketsurrenderandeachfactorusi