陕西保险业发展与经济增长关系研究

发布时间：2018-02-10 21:12

本文关键词： 保险发展经济增长产业关联计量检验　出处：《西北大学》2013年硕士论文　论文类型：学位论文

【摘要】：改革开放以来,陕西地区的保险行业伴随着我国经济体制的不断发展和变革,取得的成就日益显著,它的发展速度比我国的国民经济发展速度还要迅速。十几年来,陕西地区保险行业保费收入呈现出高速增长态势,平均每年增加的比率高达26%,并且,保险的密度以及保险的深度也获得了非常大的提升,随着陕西地区的市场化程度不断提升和经济体制改革的不断发展,以及保险主体和保险市场建设的不断改进和完善,使得陕西地区的保险行业规模逐渐扩大,对陕西地区的经济发展起到越来越明显的促进作用。国内外针对保险业发展以及经济增长的研究,目前还在探索和起步阶段,还没有太多的参考资料、经济模型以及研究方法可供借鉴,虽然有一些学者进行了初步的研究,但是,一直到现在为止,都还没有形成一个全面的、系统性的研究成果。对于保险行业而言,它属于金融服务行业的一部分,必然有与金融服务行业相同的功能,比如,针对社会的资源进行配置,对资金进行融通,创造出经济价值。不但如此,保险行业还可以为社会提供风险管理、经济补偿,防灾防损等重要的经济职能,由此可以看到,保险行业对经济增长不仅起到了普通金融服务行业的功能还有十分重要的特殊作用。在陕西地区,保险业起步较晚,基础较为薄弱,目前的发展水平以及规模程度,还无法和证券行业以及银行业进行对比,但是,由于它自身职能的特殊性,以及十几年来的快速发展能够为陕西地区的经济增长起到特殊和越来越大的贡献作用。基于以上原因,本文通过对陕西保险业发展和经济增长数据的分析,结合理论分析和实证分析,以产业经济学和服务经济理论为基础,研究陕西保险业发展对经济增长的贡献。同时,根据保险业经济职能的特殊性,分析出保险业对经济增长的贡献不仅表现在对GDP的直接贡献上,更多的体现为保险赔付职能对经济增长的间接贡献和影响,即基于保险赔付的产业关联和产业波及。同时还结合陕西地区保险业自身发展趋势以及特点分析和研究了影响陕西保险业发展的主要原因,并给出合理的改革方法及政策建议。
[Abstract]:Since the reform and opening up to the outside world, the insurance industry in Shaanxi has been undergoing the continuous development and transformation of the economic system of our country, and has made more remarkable achievements. Its development rate is faster than that of the national economy of our country. In the past ten years or so, Insurance premium income in Shaanxi shows a rapid growth trend, with an average annual increase rate of 26%. Moreover, the density of insurance and the depth of insurance have also been greatly improved. With the continuous promotion of marketization and the development of economic system reform in Shaanxi, as well as the continuous improvement and perfection of insurance subject and insurance market construction, the scale of insurance industry in Shaanxi has been gradually expanded. Shaanxi economic development to play a more and more obvious role in promoting. Domestic and foreign research on the development of insurance industry and economic growth is still in the exploration and initial stage, there are not too many reference materials, economic models and research methods can be used for reference, although some scholars have carried out preliminary research. However, up to now, there has not been a comprehensive and systematic research result. For the insurance industry, it is part of the financial services industry and must have the same functions as the financial services industry, for example, The insurance industry can also provide the society with important economic functions such as risk management, economic compensation, disaster prevention and loss prevention and so on. The insurance industry not only plays a very important role in economic growth, but also plays a very important role in the general financial service industry. In Shaanxi, the insurance industry started late and its foundation was relatively weak. It can not be compared with the securities industry and the banking industry, but because of the particularity of its own function and the rapid development in the past ten years, it can play a special and increasing contribution to the economic growth in Shaanxi. Based on the above reasons, through the analysis of Shaanxi insurance industry development and economic growth data, combined with theoretical analysis and empirical analysis, based on industrial economics and service economy theory, This paper studies the contribution of the development of Shaanxi insurance industry to the economic growth. At the same time, according to the particularity of the economic function of the insurance industry, it analyzes that the contribution of the insurance industry to the economic growth is not only reflected in the direct contribution to GDP. More reflected in the indirect contribution and impact of the insurance compensation function on economic growth, At the same time, combined with the development trend and characteristics of the insurance industry in Shaanxi region, the main reasons affecting the development of the insurance industry in Shaanxi are analyzed and studied, and the reasonable reform methods and policy suggestions are given.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127;F842.7

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