保险消费推动经济增长的行为金融学分析  

An Analysis on Insurance Consumption's Promotion of Economic Growth from the Perspective of Behavior Finance

作　　者：蒲成毅[1] 潘小军[1] 

机构地区：[1]西南民族大学经济学院

出　　处：《现代财经（天津财经大学学报）》2012年第12期21-29,共9页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：国家社科基金项目(12XJL012);教育部一般规划项目(11YJA850016);四川省科技厅软科学项目(2012ZR0025);中央高校专项(11SZYTH12);中国博士后基金项目(2011M501409)

摘　　要：保险是一种特殊的金融服务消费品,是社会经济系统必要的安全服务需求,它要么以企业生产消费形式进入生产领域,要么以家庭个人和政府机构的服务消费形式进入消费领域,构成社会经济系统再生产循环中物化劳动与活劳动消耗的一小部分嵌入性投入。嵌入活劳动的保险消费对经济增长的贡献不但大于嵌入物化劳动的保险消费对经济增长推动;而且保险消费数量不大,作用机理特殊,能有效减少人们预防性储蓄需求,改变消费意愿低迷而储蓄率畸高的经济增长困境,撬动储蓄向投资转化,释放消费和活跃投资。保险消费直接助推经济增长的力量有限,间接推动经济增长的作用巨大,特别是稳定经济持续健康发展的作用突出。Insurance is a kind of special financial service consumer goods, it is a necessary safety service needs of social economic system. It either enters into production field by form of production consumption of enterprises, or enters into consumption field by form of service consumption of fam- ily or governmental institution. It has become a small part of embedded input of materialized and living labor consumption of reproduction cycle of social economic system. And insurance consump- tion of embedded labor＇s contribution to economic growth is more important than that of embedded materialized labor. It has a small number of insurance consumption, special mechanism, can effec- tively reduce the protective saving needs, and change the economic growth difficulty, stimulate the transformation from savings to investment, release consumption and activate investment. The direct effect of insurance consumption on promoting economic growth is limited, and its indirect effect is huge. And particularly its effect on ensuring the sustainable and healthy development of economy is remarkable.

关 键 词：保险消费 经济增长 动态效应模型 

分 类 号：F840.32[经济管理—保险]