经济增长对保险业影响的区域差异研究——基于省际面板数据的实证分析  

Regional Difference of the Impact of Economic Growth on Insurance Industry-an Empirical Analysis on the Provincial Panel Data

作　　者：范红丽[1] 陈璐[1] 

机构地区：[1]南开大学经济学院,天津300071

出　　处：《保险职业学院学报》2014年第6期5-9,共5页Journal of Insurance Professional College

基　　金：2014年教育部哲学社会科学规划青年项目(14YJC790012)"人口老龄化趋势下家庭老年照料与子女就业关系研究";天津市2013年哲学社会科学规划项目(TJYY13-048)"人口老龄化视角下家庭照料与劳动力市场供给研究--基于结构方程模型"的资助

摘　　要：我国保险业“十二五”规划，将优化保险区域结构，统筹城乡保险市场，促进东、中、西部保险市场协调发展列为重要任务。经济发展程度是影响保险业发展的重要因素之一，其影响程度存在区域差异。从区际间的角度出发，将我国大陆30个省市自治区划分为三大保险区域，以1999年～2012年的人均GDP和保险深度数据进行面板数据模型的实证分析。实证结果得出经济增长对保险业的引致效应存在地区差异，呈现“倒U型”分布特征；经济增长对人寿保险的引致效应高于财产保险。The 12th Five- year Plan of China＇ s Insurance Industry has laid down the important tasks to optimize the regional structure of the insurance industry, coordinate urban and rural development, and promote the harmonious development of eastern, central and western insurance markets. Economic development level is one of the important factors affecting the insurance industry＇ s development, and the impact degree displays re- gional differences. From the inter- district perspective, the paper divides the 30 provinces, cities and autono- mous regions into three regions. Then, based on the insurance industry data from 1999 to 2012, it conducts qualitative analyses by panel data model with per capita GDP and insurance penetration index. The results dis- play that the effect of economic growth on the insurance industry＇ s development level exist regional differences. Also, the results indicate inverted U relationship and the induced effects of life insurance are higher than that of property insurance.

关 键 词：经济增长 保险深度 引致效应 面板数据模型 

分 类 号：F842[经济管理—保险]