陕西保险业发展对经济增长的影响研究

发布时间：2018-04-28 17:10

本文选题：保险业 + 经济增长　；参考：《西北大学》2014年硕士论文

【摘要】：保险业是金融业的三大支柱之一。在现代经济社会中,保险发挥着风险管理、经济补偿、资金融通和社会管理等功能。国际实践及研究表明,保险与一国经济增长之间具有高度的相关性。近30年来,我国保险业的增长速度显著高于国民经济的增长速度,其在经济中的地位大幅提升,成为经济发展中的一个重要部门。由于我国区域经济发展不平衡,保险业区域差异性也很明显,因此,区域保险业发展与经济增长之间的关系是值得我们深入研究和探讨的重要问题。本文研究了我国西部地区的陕西省保险业发展与经济增长的关系问题。文章首先对国内外相关文献进行梳理。其次,概述保险与经济增长关系的相关理论,为后文的实证检验奠定理论根基。第三,分析了陕西保险业和经济发展现状及存在的问题。第四,选择2004-2013年的季度数据,实证检验陕西保费收入对消费、投资、出口的影响。最后,提出相关对策建议。本文的主要结论包括以下几个方面。其一,根据新金融发展理论的Pagano模型可知,保险业通过影响资本配置效率、储蓄向投资转化的比例、储蓄率对经济增长产生促进作用。其二,陕西保险业通过消费途径促进经济增长,通过风险管理功能使预防性需求减少来增加消费。其三,保险业通过投资途径促进经济增长,通过资金融通功能集聚资金,为经济增长提供资金来源。其四,保险业通过出口途径促进经济增长,出口信用保险对出口和境外投资提供了贸易保障。其五,政府应加强保险市场体系建设,完善保险监管制度；保险公司应创新产品,提高保险资金运用水平。
[Abstract]:The insurance industry is one of the three pillars of the financial industry. In modern economic society, insurance plays a role in risk management, economic compensation, fund financing and social management. International practice and research show that there is a high correlation between insurance and a country's economic growth. In the past 30 years, the growth rate of the insurance industry in our country is obviously higher than that of the national economy, and its position in the economy has been greatly increased, and it has become an important department in the economic development. Because the regional economic development of our country is unbalanced and the regional difference of insurance industry is obvious, the relationship between regional insurance industry development and economic growth is an important issue worthy of further study and discussion. This paper studies the relationship between the development of Shaanxi insurance industry and economic growth in the western part of China. The article firstly combs the related literature at home and abroad. Secondly, it summarizes the related theories of the relationship between insurance and economic growth, and lays a theoretical foundation for the empirical test later. Third, the analysis of Shaanxi insurance and economic development status and existing problems. Fourth, select the 2004-2013 quarterly data to test the impact of Shaanxi premium income on consumption, investment and exports. Finally, the relevant countermeasures and suggestions are put forward. The main conclusions of this paper include the following aspects. First, according to the Pagano model of the new financial development theory, the insurance industry promotes economic growth by influencing the efficiency of capital allocation, the proportion of savings to investment, and the savings rate. Second, Shaanxi insurance industry promotes economic growth through consumption and increases consumption by reducing preventive demand through risk management. Third, the insurance industry promotes economic growth through investment channels, and gathers funds through the function of financing to provide a source of funds for economic growth. Fourthly, the insurance industry promotes economic growth through export channels, and export credit insurance provides trade protection for exports and overseas investment. Fifthly, the government should strengthen the construction of insurance market system and perfect the insurance supervision system, and the insurance companies should innovate their products and raise the level of insurance fund utilization.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.7;F127

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