中文摘要：

从微观层面入手,以全国八大省区的上千份一对一的问卷调查数据为依据,尝试从政府行为、保户风险认知程度等角度进行分析,采用理论研究与计量模型分析相结合的方法,理论探究及实证检验影响保险需求的若干因素,并进一步提出强化政府作为、增大保险有效需求、促进我国保险业发展的政策思路。

英文摘要：

Applying related theory and econometric model to analyze data from practical investigation,this paper analyzes the government behaviors and insuanrants＇ attitudes to risks. And then,it explores the factors influencing the effective demand for insurance, based on thousands of one-on-one questionnaire survey data of Chinese eight provinces from micro perspective. In the end,it puts forward some suggestions to further strengthen the government role,increase the effective demand of insurance and promote the development of insurance in our country.