This paper finds that GDP and educational outlay have significant positive effect on the non-life consumption, the traffic accident loss and fire accident loss have positive effect on the non-life consumption, but not significantly.

• 实证结果发现,地区生产总值(GDP)和教育经费支出对这些省(市)的非寿险消费有显著的正向影响,交通事故损失和火灾事故损失对非寿险消费的影响为正,但不显著;