城镇化、人口规模对非寿险保险深度的影响研究  

The Effect of Urbanization,Population Scale on Insurance Penetration of Non-life Insurance Market

作　　者：贾立文[1] 斯琴塔娜[2] 张芳芳[1] 张修美 

机构地区：[1]中国人民大学财政金融学院 [2]内蒙古财经大学金融学院 [3]西安科技大学管理学院

出　　处：《经济体制改革》2015年第6期41-46,共6页Reform of Economic System

基　　金：中国人民大学2014年度拔尖创新人才培育资助计划项目"风险管理在中国历史文物建筑保护中的应用研究"

摘　　要：本文从城镇化和人口角度对中国长期以来较低的非寿险保险深度现象提供解释。由2006。2013年中国省级样本发现，人口等指标在不同地区存在明显的差异性，建立面板分位数模型分析人口和城镇化水平对非寿险深度的影响具有现实意义。人口因素对非寿险保险深度有显著的负向影响，而城镇化水平对非寿险深度有显著的正向影响，两种作用随分位数水平的提高而持续增强。建议地方政府加强中小城镇建设，控制城镇和农村人口规模并加大普及保险知识的力度。This paper considers one phenomenon the insurance penetration of non-life insurance at a low level for a long time and explains it from the urbanization and population scale perspective. This article finds there are obvious differences among different regions, and then builds a panel quantile model to analyze the effect from population factor and urbanization level to the insurance penetration of non-life insurance. Empirical analysis illustrates that the population factor has a significant negative im- pact on insurance penetration of non-life insurance and the urbanization level has a significant positive impact. The paper suggests local government should strengthening the development of smaller cities and towns, controling the size of the population in cities and towns, and popularizing the insurance.

关 键 词：非寿险市场 保险深度 新型城镇化 面板分位数模型 

分 类 号：F842.7[经济管理—保险]