吉林省保险业发展及其产业关联影响实证分析

发布时间：2018-05-22 07:29

本文选题：保险业 + 产业关联　；参考：《吉林大学》2013年硕士论文

【摘要】：改革开放以来，随着国民经济的飞速发展，保险业在经济中扮演者越来越重要的角色，在经济补偿、防灾防损方面中起着至关重要的作用，扮演着经济“助推器”和“稳定器”的角色。随着国民经济的持续稳定发展以及新的社会保障体系逐渐形成，社会对于保险的内在需求日益扩大，保险业呈现出飞速发展的势头，保险市场规模持续增长，保险市场逐步向多元化方向发展。2011年末，政府出台了《中国保险业发展“十二五”规划纲要》，明确了我国未来保险业的发展方向、重点任务和政策措施，为保险业的科学发展提供了有力的保障，，也为吉林省未来的保险业发展指明了方向。因此，对吉林省保险业发展及产业关联影响的实证分析，对于促进吉林省保险业跨越式发展，更好地实现其对于整体经济的保障作用，从而促进国民经济又好又快地发展有着深远的意义。本论文采用理论分析和实证分析相结合的方法。首先介绍了保险业的相关概念，阐述了国内外保险业发展状概况。然后利用保费收入及其增长率、保险密度、保险深度等分析指标，剖析吉林省保险业发展规模和速度，吉林省保险实力有所增强，但发展速度有所放缓，保险规模与国内其他省市相比还有较大差距。然后通过HHI指数、吉林省各保险公司市场份额等指标对吉林市场集中度分析和产品差异化分析，探究保险业内部结构状况，结果表明尽管吉林省保险市场垄断程度依然较高，产品差异化程度较弱，但在未来发展中，随着市场的逐步打开，保险市场有竞争趋势逐渐加强、产品差异化逐步增大的趋势。本文依据投入产出分析模型，通过计算吉林省保险业消耗系数、分配系数、中间投入率及中间需求率、影响力系数、感应度系数、生产诱发系数并与全国保险业的发展状况进行对比，结果表明，工业和其他服务业对吉林省保险业的拉动作用较大，工业和其他服务业的发展对保险业的影响较大，保险业的产业附加值有所加大，其消费品性质有所增强，吉林省保险业对于其他产业部门的拉动作用较小，同时对于国民经济发展的感应度也较弱，最终消费是拉动保险业发展的主要动力。最后，利用计量分析方法，选取吉林省保险业的保费收入、第一产业增加值、第二产业增加值、第三产业增加值作为分析指标，探究吉林省第一产业、第二产业、第三产业发展对于吉林省保险业发展的推动作用，结果表明第二产业对保险业发展的推动作用最强，但吉林省整体经济增长对保险业发展的推动作用并不明显。造成这些结果主要是因为吉林省经济总体发展水平偏低、保险业发展基础薄弱、保险业基础设施不完善、保险业结构不合理、政府政策失灵等原因。针对吉林省保险业发展过程中存在的这些问题，文章在最后给出了调整保险业产业结构、完善保险业监管环境、提高吉林省保险业企业及从业人员自身综合素质、优化保险业竞争化发展环境等方面的政策建议。
[Abstract]:Since the reform and opening up, with the rapid development of the national economy, the insurance industry plays a more and more important role in the economy. It plays a vital role in economic compensation and disaster prevention and prevention. It plays the role of the economic "booster" and "stabilizer". With the sustained and stable development of the national economy and the new social security body With the gradual expansion of the internal demand for insurance and the rapid development of the insurance industry, the insurance market has been developing rapidly, the insurance market continues to grow, the insurance market is gradually developing towards the end of the.2011 year, and the government has promulgated the "12th Five-Year" plan for the development of China's insurance industry, which has clearly defined the direction of the future insurance industry in China. The key tasks and policy measures provide a strong guarantee for the scientific development of the insurance industry and the direction for the future development of the insurance industry in Jilin province. Therefore, the empirical analysis of the development of insurance industry and the impact of the industrial association in Jilin province will promote the leap forward development of the insurance industry in Jilin province and better realize its guarantee for the overall economy. It is of far-reaching significance to promote the development of the national economy in a sound and rapid way.
This paper adopts the method of combining theoretical analysis with empirical analysis. Firstly, it introduces the related concepts of insurance industry, expounds the development of insurance industry at home and abroad, and then analyzes the scale and speed of insurance development in Jilin province by using premium income and its growth rate, insurance density, insurance depth and so on, and the insurance strength in Jilin province. However, the speed of development has slowed down, and the scale of insurance has a large gap compared with other provinces and cities in China. Then through the HHI index, the market share of insurance companies in Jilin province and other indicators of Jilin market concentration analysis and product differentiation analysis to explore the internal structure of the insurance industry, the result shows that despite the monopoly of the insurance market in Jilin Province, the result shows that the insurance market is monopolized by the insurance market. The degree of the product differentiation is still relatively high, but in the future development, with the gradual opening of the market, the competitive trend of the insurance market is gradually strengthened and the product differentiation is gradually increasing. In this paper, the consumption coefficient, distribution coefficient, intermediate input rate and intermediate demand rate of the insurance industry in Jilin are calculated on the basis of the input-output analysis model. The influence coefficient, the coefficient of induction, the production induced coefficient and the development of the national insurance industry are compared. The results show that industry and other services have a greater impact on the insurance industry in Jilin Province, and the development of industry and other services has a greater impact on the insurance industry, and the added value of the insurance industry has increased, and the nature of its consumer goods. To some extent, the insurance industry of Jilin province has a small pull on other industrial sectors, and the sensitivity to the development of the national economy is weak, and the final consumption is the main driving force for the development of the insurance industry. Finally, using the method of measurement and analysis, the insurance premium income of the insurance industry in Jilin Province, the value of the first industry and the second industry value added are selected. The third industry added value is used as the analysis index to explore the role of the first industry, the second industry and the third industry in Jilin province to promote the development of insurance industry in Jilin province. The results show that the second industry has the strongest impetus to the development of the insurance industry, but the overall economic growth of Jilin province is not obvious to the development of the insurance industry. The result is mainly because of the low overall development level of Jilin Province, the weak foundation of the insurance industry, the imperfect infrastructure of the insurance industry, the unreasonable structure of the insurance industry, the failure of the government policy and so on. In the end, the article gives the adjustment of the insurance industry structure and the improvement of insurance in the end of the development of the insurance industry in Jilin province. The industry regulatory environment, improve the overall quality of Jilin insurance enterprises and practitioners, and optimize the competitive development environment of the insurance industry.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.7

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