利率主要通过替代效应和价格效应影响寿险需求。
Interest rate affects life insurance demands mainly through the replacement effect and price effect.
消费需求理论简介。介绍了几种国内外的消费需求理论，从理论上探讨对寿险需求的影响。
A brief introduction to consumer demand theory, introduced some kinds of foreign consumer demand theories and discussed the impacts to insurance theoretically.
关于寿险需求的影响因素，国内外学者已经做了大量的理论和实证研究，并且对于部分影响因素形成了一致的结论。
Domestic and foreign scholars have already done a great deal of theoretical and empirical research on the impact of demand factors, and formed a consensus conclusion for some influencing factors.
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