英语翻译本文从国内外同领域研究现状出发,首先运用传统的统计理论对影响人身保险需求的因素进行了细致分析.然后运用传统的计量

英语翻译
本文从国内外同领域研究现状出发,首先运用传统的统计理论对影响人身保险需求的因素进行了细致分析.然后运用传统的计量经济理论,采用OLS回归技术作分析,通过实证研究文章所选取变量之间的相关性、画出自变量和因变量之间的散点图和趋势图、进行Granger因果关系检验、Breusch-Godfrey自相关检验、采用逐步回归法进行多重共线性检验等建立计量经济模型.结果发现选取的各解释变量对人身险保费收入均有影响,且GDP的增长和人身险业自身的发展是人身险保费收入增长的根本动因；城镇居民人均可支配收入变量为非平稳时间序列；一年定期存款利率和储蓄存款余额引起严重的多重共线性；模型设定不存在自相关问题.在此基础上,文章最后可操作性的提出了增进宁夏保费收入的政策建议.
[关键词]：人身保险 计量经济模型 实证分析
宁夏人身保险保费收入影响因素实证分析

This paper from home and abroad with the status quo of research in the field, the first use of the traditional statistical theory of the impact on personal insurance needs of a detailed analysis of factors. And then use the traditional measures of economic theory, the use of technology for OLS regression analysis, through empirical research papers selected by the correlation between variables, variables and paintings from the plot because of variables and trends, Granger causality test, Breusch-Godfrey since the relevant tests, using multiple regression method of linear examination to establish an econometric model. The results showed that the selected variables to explain the risk premium on personal income are affected, and the growth of the GDP and personal insurance industry is the development of their own personal risk insurance premium income growth of the fundamental cause; urban residents per capita disposable income variable non-stationary time Sequence; year time deposit rate and savings deposit balance of serious multiple linear model set does not exist since the related issues. On this basis, the article finally operable by the Promotion of Ningxia premium income of policy recommendations.
Key words: life insurance econometric model empirical analysis