With abundant sample data and from the microcosmic perspective this paper has done deeper research and fetched up the drawbacks of current research which focused on macrocosmic perspective.

• 现有的国内保险需求研究大部分从宏观角度出发,微观分析较少,本文运用更加丰富的样本数据,从微观的角度进行了深入的研究,以期从一定程度上弥补现有研究的不足。