人身保險與經濟發(fā)展的動態(tài)分析

畢業(yè)論文（或畢業(yè)設計）人身保險與經濟發(fā)展的動態(tài)分析1引言中國的保險市場相對其他發(fā)達國家起步較遲，但是發(fā)展卻是飛速的。2008年我國全年保險公司保費收入9784億元（包括人身保險保費收入和財產保險保費收入），比上年增長39.1%。其中壽險業(yè)務保費收入6658億元，健康險和意外傷害險業(yè)務保費收入789億元，財產險業(yè)務保費收入2337億元。從改革開放以來,伴隨著經濟的持續(xù)發(fā)展，人民生活水平不斷提高，人們的保險意識也在逐步增強。這些都為保險業(yè)的發(fā)展奠定了良好的宏觀和微觀的外部環(huán)境。保險業(yè)在不同階段以不同速度在發(fā)展，這和中國經濟持續(xù)快速、穩(wěn)定增長是分不開的，同樣也依賴于人民生活水平的提高和人民對安全感和保險意識的增強。同時，保險業(yè)的發(fā)展也帶動了經濟的增長，以及增加了行業(yè)就業(yè)機會,提高了人民生活水平。這兩者之間從理論上講是相互促動和相互影響的。1.1人身保險的現(xiàn)狀1.1.1基本情況自1982年恢復人身保險業(yè)務以來，我國人身保險取得了巨大發(fā)展。人身險保費收入在1997年市場份額首次超過財產險以后，一直占據了保險市場的大半#1982-1.7993.7263.4103.0902.7292.8301983-1.0003.7753.4553.1552.7522.9511984-0.1253.8583.5283.2632.8143.08419850.6193.9553.6343.4052.8693.21019861.0544.0123.6953.4942.9553.35019871.3984.0813.7653.5793.0013.48919881.5744.1773.8723.6773.0723.58219891.6634.2303.9093.6443.1383.71619901.7784.2713.9193.6553.1793.85219911.9184.3383.9743.7483.2313.96619922.1574.4304.0413.9073.3074.07019932.2944.5484.1544.1163.4114.18219942.3074.6834.2704.2323.5444.33319952.3104.7844.3734.3013.6324.47219962.5224.8524.4534.3743.6854.58619972.7784.8974.4954.4033.7134.66519982.8804.9264.5234.4543.7344.72819992.9414.9534.5524.4753.7674.77520002.9994.9974.5924.5133.7984.80820013.1535.0404.6344.5673.8364.86820023.3575.0804.6824.6363.8874.93920033.4795.1334.7204.7413.9285.01520043.5095.2044.7754.8463.9745.07820053.5685.2634.8274.9474.0215.14920063.6165.3264.8835.0414.0705.20820073.7025.3974.9505.1374.1395.23720083.8725.4785.0355.2364.1985.338;run;procarimadata=LW;identifyvar=lnyidentifyvar=lnyidentifyvar=lny1identifyvar=lny2identifyvar=lny3identifyvar=lny4identifyvar=lny5stationarity=(adf=3)stationarity=(adf=3)stationarity=(adf=3)stationarity=(adf=3)stationarity=(adf=3)stationarity=(adf=3)identifyvar=diflnyidentifyvar=diflnyidentifyvar=diflny1identifyvar=diflny2identifyvar=diflny3identifyvar=diflny4identifyvar=diflny5stationarity=(adf=3);stationarity=(a