数字经济对保险业发展的影响研究——基于省级面板数据的实证检验  

Research on the Impact of Digital Economy on the Development of the Insurance Industry——An Empirical Test Based on Provincial Panel Data

作　　者：周愉文 ZHOU Yuwen(Hubei University of Technology,Wuhan,Hubei 430068)

机构地区：[1]湖北工业大学,湖北武汉430068

出　　处：《中国商论》2025年第4期39-45,共7页China Journal of Commerce

摘　　要：通过培育数据要素、优化资源配置,数字经济正逐渐成为保险业发展的新动力。本文利用省级面板数据,通过双向固定效应模型和面板门槛效应模型,从保险收入、密度和深度研究数字经济与保险业的关系。研究发现,数字经济发展水平的提高可以显著增加地区保险收入和提高保险密度。此外,数字经济发展水平对地区保险业的影响呈非线性特征,通过门槛效应检验发现存在显著的双门槛效应,且处于中高门槛时的促进作用大于其处于低门槛时的促进作用。By cultivating data factors and optimizing resource allocation,the digital economy has become a new driving force for the development of the insurance industry.This study uses provincial panel data and employs a two-wayfixed-effect model and a panel threshold effect model to investigate the relationship between the digital economy and insurance development from three dimensions:insurance income,density,and penetration.The empirical results show that the development of digital economy in a region can significantly improve the income and density and of insurance industry.Moreover,the impact of digital economy development on the regional insurance industry exhibits a nonlinear characteristic.Threshold effect tests reveal a significant double-threshold effect,with a stronger promotion effect when at the medium-to-high threshold level compared to the low threshold level.

关 键 词：数字经济 保险发展 门槛效应 保险密度 保险深度 

分 类 号：F842[经济管理—保险]