城镇化对区域保险业发展的影响分析——基于30个省市面板数据的实证研究  

An Analysis on the Influence of Urbanization on Regional Insurance Business——Based on the Empirical Research on the Panel Data of 30 Provinces

作　　者：刘丹[1] 

机构地区：[1]北京工商大学经济学院,北京100048

出　　处：《保险职业学院学报》2014年第4期5-10,共6页Journal of Insurance Professional College

摘　　要：城镇化水平的不断提高为保险业的发展提供了重大机遇。我国目前的城镇化对区域保险业发展起着什么样的作用?在城镇化进程中如何充分发挥保险的作用?基于这些问题,本文将我国30个省市在2002年至2012年间的面板数据为基础,按经济发展水平分为东部、西部、中部、东北部四个保险区域,进行四次回归分析,分别检验了城镇化对保险行业的影响及其程度。实证结果表明,区域城镇化水平与其保险业发展水平呈显著正相关关系,且其影响程度以西部、中部、东部、东北部顺序依次递减。在此基础上,对如何更好地发挥保险业在我国城镇化进程的作用提出了政策建议。The improvement of urbanization provides great opportunity for the development of insurance industry. What is the role of urbanization to the regional insurance in our country？ How to make full use of insurance in the process of urbanization？ This paper, based on the panel data of 30 provinces during the period 2002 -2012, makes four times of regression analysis on the four insurance regions, i.e. the east, the west and cen- tral and the northeast regions, which is divided according to their economic levels and tests the degree of the impact of urbanization on insurance. The results indicate that the regional urbanization is of obvious positive correlations with insurance development, the degrees of impact showing a progressive decrease in the order of the west, the central, the east and the northwest regions. On this basis, the paper puts forward some policy suggestions on the role of insurance in promoting the process of insurance.

关 键 词：城镇化 区域保险业 保险密度 

分 类 号：F842[经济管理—保险]