影响世界保险市场的因素研究

S. Pokhylko, A. Omelchenko
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摘要

本文致力于研究世界保险市场的发展,分析其影响因素,作为研究对象。保险市场在每个国家的经济中都扮演着极其重要的角色。在发达国家,人们积极使用人寿保险、健康保险、财产保险和金融风险保险。考虑到保险公司的主要目的是为公众提供保险服务和保障,由于每个国家都有其独特和鲜明的保险市场特征,因此有必要详细关注保险市场的发展。世界保险市场可以根据各国的经济发展水平有条件地划分。本文分析了世界保险市场;分析的主要对象是保费金额。这种分析是在几个方面进行的,即按世界各区域、按各国经济发展和按世界经济发展。根据保费分析的结果,调查指数有相当大的增长,这可能说明一个区域保险市场的逐步发展。确定了这种增长是以牺牲美国地区保险市场的发达部分为代价的,并计算出了世界保险市场中动态地区和发达地区的份额分布。研究可能恶化世界保险市场状况的主导因素的必要性已得到证明。本文分析了保险费数额作为一个结果特征。通过对保费数据的回归分析和相关分析,揭示了一个国家的保险市场对其国内生产总值的直接依赖性。采用适当的指标检验数学模型的充分性、显著性和可靠性。对文中分析的各因素进行统计学显著性检验。在检验过程中,一个国家的国内生产总值和对外收支成为影响因素。研究证明,一国保险市场的现状主要受该国经济发展状况的影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
STUDY OF THE FACTORS INTLIENCING THE WORLD INSURANCE MARKET
The article is devoted to the study of the world insurance market development, the analysis of the factors which influence an object of the research. The role of insurance markets in the economics of each country is extremely significant. In developed countries people actively use life insurance, health insurance, property insurance and financial risk insurance. Considering that a prime purpose of insurance companies is to provide public with insurance services and protection, there is a need to pay detailed attention to the development of insurance market due to the fact that every country has its unique and distinctive insurance market character. The world insurance market can be conditionally divided according to the country’s economic development criteria. In this article we have analyzed world insurance market; the main object of analysis was the amount of insurance premiums. This analysis was conducted in several directions, namely by world regions, by economic development of countries and by economic development in the world. According to the results of the analysis of insurance premiums, there was a considerable increase in the investigated index, which might state a gradual development of a regional insurance market. It was determined that this growth occurred at the expense of the developed part of the American region insurance market, it was also figured out the distribution of shares of dynamic regions and developed regions in the world insurance market. The necessity to research dominant factors, which might deteriorate world insurance market conditions, has been proved . The amount of insurance premiums as a resultant feature was analyzed in the paper. Using the regressive and correlation analysis methods for the insurance premiums data revealed a direct strong dependence of a country’s insurance market on its gross domestic product. The mathematical model under examination was tested for adequacy, significance and reliability using appropriate indicators. The factors, which analyzed in paper , were checked for statistical significance. Gross domestic product and external balance of a country turned out to be influential factors in the process of testing. The study proves that a current condition of a country’s insurance market is primarily affected by the economic development of a country.
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