The Impact of Population Aging on the Development of Commercial Life Insurance

With the increasingly serious aging problem in China, the single social security system has been unable to meet people's needs for pension, and the importance of commercial insurance has gradually emerged. Based on the panel data of 30 provinces in China from 2001 to 2015, this paper analyzes the impact of aging degree on the development of commercial life insurance, and further analyzes the different effects of aging degree on the eastern, central and western regions. In general, aging has promoted the development of commercial life insurance. Although the level of the development of commercial insurance in the eastern and central regions is higher than that in the western regions, the increase of the aging degree in the western regions has a more significant impact on the development of commercial life insurance. Therefore, while improving China's social security system, we also need to pay attention to commercial insurance, improve its mechanism of action, so that the two can better combine, and jointly face the aging crisis in China. 人口老龄化对商业人身保险发展的影响 冯慧超 , 韩学芳 b 北京交通大学经济管理学院,北京,中国 北京交通大学经济管理学院,北京,中国 fhchaowonder@yeah.net, 2546813745@qq.com 关键词: 人口老龄化; 养老保险; 商业保险 中文摘要. 随着我国老龄化问题的日益严重,单一的社会保障体制已不能满足人们的养老需 求,商业保险作为又一有力支撑,重要性逐渐显现。本文采用2001-2015年中国30个省市的省 级面板数据,分析老龄化程度对商业人身保险发展的影响,并进一步探究其对于东、中、西 部地区的不同作用程度。研究发现,从总体上看老龄化促进了商业人身保险的发展。虽然东 部及中部地区商业保险发展的绝对水平要高于西部地区,但西部地区老龄化程度的增加对商 业人身保险发展的边际影响更为显著。因此,现阶段在完善我国社会保障制度的同时,也需 要重视商业保险,完善其作用机制,使二者更好地结合,从而共同面对我国的老龄化危机。 1.引言 《国家人口发展规划(2016-2030年)》指出,我国已进入人口发展的关键转折期,社会 保障及公共服务的发展速度已明显滞后于人口老龄化的速度。我国现行的社会保障制度往往 只能维持个体退休后的基本生活,而无法保证老年人对晚年生活质量的追求。同时,医疗保 5th International Conference on Humanities and Social Science Research (ICHSSR 2019) Copyright © 2019, the Authors. Published by Atlantis Press. This is an open access article under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/). Advances in Social Science, Education and Humanities Research, volume 319