江苏省保险业发展对区域经济增长的贡献研究

发布时间：2018-04-19 12:15

本文选题：保险业发展 + 经济增长　；参考：《江苏大学》2017年硕士论文

【摘要】：保险自诞生以来,一直为经济社会的发展和稳定做出重要贡献。一方面保险具有金融的一般功能,能够融通资金和合理配置社会资源;另一方面保险又因其风险保障和经济补偿的特殊性,有利于社会稳定和增加消费,因而能对经济增长产生正向的推动作用。伴随着社会的快速发展,经济运行环境也日益复杂,风险的控制与防范便显得至关重要。因此,研究保险业发展对江苏省经济增长的贡献情况,对江苏省经济的发展和保险业自身的发展完善,都具有积极的现实意义。本文在区域经济理论的指导下以江苏省保险业为考察对象,首先,从理论角度介绍了保险业发展如何促进经济增长以及保险业对经济增长的作用具体表现在哪些方面;其次,从整体和区域两个角度借助多个指标定量分析了江苏省保险业和经济发展的现状;再次,选取江苏省2005-2015年间的有关数据,使用计量经济模型中的面板数据模型进行实证分析和检验,重点研究财产保险与人寿保险对经济增长的贡献,然后再引入银行业变量,分别分析财产保险与银行业的交互效应以及人寿保险与银行业的交互效应对经济增长的影响,并对保险业在苏南、苏中、苏北三大区域对经济增长的贡献度差异进行比较分析;最后,从增强保险业自身实力和提高保险对经济增长的促进作用两个维度出发,提出发展保险业的对策建议。研究发现:江苏省保险业对经济增长的直接贡献突出,呈现苏南、苏中、苏北的梯度分布;从江苏省总体角度看,财产保险对经济增长有显著推动作用,而人寿保险的贡献并不明显;从区域角度来看,财产保险对经济增长的贡献苏北地区最强而苏中地区最弱,人寿保险在苏北地区制约了经济增长,而在苏南、苏中地区无显著关系;保险业与银行业的竞争关系占主导地位,协同性较差。最后为促进保险业发展和经济增长提出了若干对策建议:优化财产保险和人寿保险比例;财产保险实行区域差异化发展策略;拓宽人寿保险资金投资渠道;强化保险业与银行业的合作;加强保险人才队伍建设;监管部门监督标准多样化。
[Abstract]:Since its birth, insurance has made important contributions to the development and stability of economy and society.On the one hand, insurance has the general function of finance, it can finance funds and reasonably allocate social resources; on the other hand, because of the particularity of its risk protection and economic compensation, it is conducive to social stability and increased consumption.Thus can produce the positive promotion function to the economic growth.With the rapid development of society, the environment of economic operation is becoming more and more complicated.Therefore, it is of positive practical significance to study the contribution of insurance industry development to the economic growth of Jiangsu Province, and to the development and perfection of Jiangsu Province's economy and insurance industry itself.Under the guidance of regional economic theory, this paper investigates the insurance industry of Jiangsu Province. Firstly, it introduces how the insurance industry develops to promote economic growth and what specific aspects of the insurance industry play on economic growth from a theoretical point of view.This paper quantitatively analyzes the current situation of insurance industry and economic development in Jiangsu Province from the overall and regional perspectives. Thirdly, the relevant data of Jiangsu Province from 2005 to 2015 are selected.Using the panel data model of econometric model to make empirical analysis and test, focusing on the contribution of property insurance and life insurance to economic growth, and then introducing banking variables.The paper analyzes the interaction effect of property insurance and banking industry and the interaction effect between life insurance and banking industry on economic growth, and compares and analyzes the difference of contribution degree of insurance industry to economic growth in the south, middle and north of Jiangsu.Finally, from the two dimensions of enhancing the strength of the insurance industry and enhancing the role of insurance in promoting economic growth, the countermeasures and suggestions for the development of the insurance industry are put forward.The study found that the direct contribution of insurance industry to economic growth in Jiangsu Province is prominent, showing the gradient distribution in the south, middle and north of Jiangsu, and from the overall point of view of Jiangsu Province, property insurance plays a significant role in promoting economic growth.The contribution of life insurance is not obvious. From a regional point of view, property insurance has the strongest contribution to economic growth in northern Jiangsu and the weakest in central Jiangsu. Life insurance restricts economic growth in northern Jiangsu, while in southern Jiangsu,There is no significant relationship between the central Jiangsu region and the insurance industry, and the competitive relationship between the insurance industry and the banking industry is dominant and the synergy is poor.Finally, some countermeasures are put forward to promote the development and economic growth of the insurance industry: optimizing the proportion of property insurance and life insurance, implementing regional differentiation development strategy of property insurance, widening the investment channels of life insurance funds;Strengthen the cooperation between insurance and banking industry; strengthen the construction of insurance personnel; supervision and supervision of the standards of diversification.
【学位授予单位】：江苏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F127;F842.7

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