保险与经济增长的关系研究
发布时间：2018-08-12 11:34
【摘要】：本文以保险的风险管理功能为切入点,分别探讨了人身保险和财产保险与宏观经济的关系,特别是人身保险和财产保险对经济的促进作用。基于该研究目的,本文内容主要包括两个方面,即人身保险与宏观经济的关系研究和财产保险与宏观经济的关系研究。 人身保险与宏观经济的关系研究,首先在各种情况下详细讨论了个体对人身保险的需求,求解了效用最大化原则下保险支出在家庭总支出中的最优比例,并讨论了有无人身风险、有无人身保险时家庭的储蓄率水平；其次,基于微观层面的研究,建立了含有人身保险的宏观经济增长模型,模拟了含有人身保险的经济增长路径和稳态水平；再次,通过引入摩擦市场和差异化个体,从资金供给角度建立了金融结构的形成模型,并探讨了金融结构与经济增长之间的关系。 财产保险与宏观经济的关系研究,首先假设资本存量面临财产损失风险,建立了内含风险的经济增长模型；其次引入财产损失保险管理该风险,建立内含风险和保险的经济增长模型；再次,通过比较无风险模型、风险模型、风险和保险模型,详细探讨了风险和保险对经济的影响。按照类似的步骤,本文假设产出面临收益损失风险,讨论了收益损失保险与产出的关系,并将相应结论应用于农业保险的分析中。 通过以上研究,我们得到以下两个方面的结论： 人身保险方面。本文指出,人身保险支出在家庭支出结构中占据重要地位,本文所建立的模型能够很好模拟家庭支出结构,特别是家庭的人身保险需求；此外,人身保险的引入会增加家庭储蓄率,从而有利于经济发展。本文建立的含有人身保险的宏观经济增长模型表明,人身保险在经济增长中具有重要作用,模型也具有良好的收敛性质。含有摩擦和差异化个体的模型表明,各类资本市场发展水平决定经济中的金融结构,并影响经济发展。 财产保险方面。财产损失保险的研究指出,财产损失风险的引入会降低稳态下经济中资本存量水平,进而降低产出水平；财产损失保险的引入可以减轻风险产生的不利影响；此外,研究表明,经济中存在一个潜在的最优保险需求水平。收益损失保险的研究得到了类似的结论,即收益损失风险降低稳态资本存量和稳态产出,收益损失保险的引入减轻风险的不利影响。该结论可对农业保险直接成立。 具体来说,本文各章节内容如下： 第一章引言全面介绍本文研究问题、研究背景、研究方法和贡献,指出保险对宏观经济有非常重要的作用,但是保险与宏观经济的关系研究尚未完全揭示两者之间的关系,也尚未明确保险对宏观经济的促进作用路径。本文运用标准经济学方法研究保险与宏观经济的关系,特别关注保险对宏观经济的促进作用。 第二章到第五章为人身保险与宏观经济研究部分。第二章建立含有人身风险的交叠世代模型,同时考虑收入代际转移因素,考察个体对年金保险和人寿保险的需求。本章假设个体没有遗产动机,其购买人寿保险的主要目的是管理人力资本投资面临的风险。本章研究表明,人身保险在家庭支出中占据重要地位,并且所建立的模型能够较好模拟家庭的保险需求水平。此外,通过对比有、无保险时家庭的储蓄行为,本章指出,保险产品会提高家庭的储蓄率水平。 第三章改进第二章的模型,假设个体有遗产动机,个体购买人寿保险的主要目的是为了给子辈留下遗产。本章研究表明,本章模型完善了第二章的研究结果,进一步解释了个体的人寿保险需求；同时,通过对比有无保险时家庭的储蓄行为,本章也得到了类似结论,即保险产品会提高家庭的储蓄率水平。另外一个有意思的结论是,购买人寿保险是个体留下遗产的主要途径。 基于第二章和第三章微观层面的研究,第四章从宏观层面建立人身保险与宏观经济的关系。研究表明,年金是形成资本存量的重要方式之一,对宏观经济有十分重要的作用。本章模型说明了含有人身保险的宏观经济的运行方式,经济增长路径以及稳态水平。 第五章在第四章的基础上假设摩擦性市场和差异化个体,从个体储蓄行为(即资金供给)出发建立金融结构的形成机制,讨论金融结构与宏观经济的关系,特别关注年金市场发展对宏观经济的促进作用。研究表明,资本市场的摩擦成本是影响金融结构的重要因素,降低摩擦成本有利于经济发展。 第六章和第七章为财产保险与宏观经济研究部分。第六章讨论财产损失保险与宏观经济的关系,假设资本存量面临财产损失风险,并引入财产损失保险管理该风险。研究指出,财产损失风险的引入会降低稳态下经济中资本存量水平,进而降低产出水平；财产损失保险的引入可能减轻风险产生的不利影响。 第七章继续第六章的研究,假设产出面临收益损失风险,并引入收益损失保险管理该风险,借此讨论收益损失保险与产出之间的关系。研究表明,收益损失风险降低稳态资本存量和稳态产出,收益损失保险的引入减轻风险的不利影响。农业保险是一种典型的收益损失保险,因此本章简要介绍了本章模型应用于农业保险的分析中所得到的结论。 本文的最后是总结性的结论和未来研究方向。在经济模型中引入风险继而引入保险有利于从功能上研究保险在经济中的作用。该思路主导了本文全文,也可以成为未来关于保险与经济关系研究的思路。按照此方法,可以进一步研究一些其他重要保险产品与经济的关系。
[Abstract]:Based on the risk management function of insurance, this paper discusses the relationship between life insurance and property insurance and macro-economy, especially the promotion of life insurance and property insurance to economy. Research on macroeconomic relations.
The relationship between life insurance and macro-economy is studied. Firstly, the individual's demand for life insurance is discussed in detail under various circumstances, and the optimal proportion of insurance expenditure in total family expenditure under the principle of utility maximization is solved. Thirdly, by introducing frictional markets and differentiated individuals, the paper establishes the formation model of financial structure from the perspective of capital supply, and discusses the relationship between financial structure and economic growth.
The relationship between property insurance and macro-economy is studied. Firstly, assuming that capital stock faces property loss risk, the economic growth model with inherent risk is established; secondly, property loss insurance is introduced to manage the risk and establish the economic growth model with inherent risk and insurance; thirdly, by comparing risk-free models, risk models, risks and insurance According to the similar steps, this paper assumes that the output faces the risk of loss of income, discusses the relationship between loss of income insurance and output, and applies the corresponding conclusions to the analysis of agricultural insurance.
Through the above research, we get the following two conclusions:
This paper points out that life insurance expenditure plays an important role in the family expenditure structure. The model established in this paper can well simulate the family expenditure structure, especially the family life insurance demand. In addition, the introduction of life insurance will increase the household savings rate, which is conducive to economic development. The macroeconomic growth model of life insurance shows that life insurance plays an important role in economic growth, and the model has a good convergence property. The model with friction and differentiation shows that the development level of various capital markets determines the financial structure of the economy and affects economic development.
In the aspect of property insurance, the introduction of property loss insurance points out that the introduction of property loss risk will reduce the level of capital stock in the steady-state economy, thereby reducing the level of output; the introduction of property loss insurance can mitigate the adverse effects of risk; in addition, the study shows that there is a potential optimal level of insurance demand in the economy. A similar conclusion has been drawn in the study of income-loss insurance, that is, income-loss risk reduces steady-state capital stock and steady-state output, and the introduction of income-loss insurance mitigates the adverse effects of risk.
Specifically, the chapters of this article are as follows:
The first chapter introduces the research questions, research background, research methods and contributions of this paper. It points out that insurance plays a very important role in macro-economy, but the research on the relationship between insurance and macro-economy has not fully revealed the relationship between them, nor has it clarified the path of promoting macro-economy by insurance. Methods To study the relationship between insurance and macro-economy, paying special attention to the promotion of insurance on macro-economy.
Chapters 2 to 5 are about personal insurance and macroeconomic research. Chapter 2 establishes an overlapping generation model with personal risk and considers the intergenerational transfer of income to examine the individual's demand for annuity insurance and life insurance. This chapter shows that life insurance plays an important role in family expenditure, and the model can better simulate the level of household insurance demand.
Chapter 3 improves the model of Chapter 2, assuming that individuals have inheritance motives, and the main purpose of buying life insurance is to leave a legacy for their children. As a result, this chapter also draws a similar conclusion that insurance products will raise household savings rates. Another interesting conclusion is that buying life insurance is the main way for individuals to leave their legacies.
Based on the micro-level research of Chapter 2 and Chapter 3, Chapter 4 establishes the relationship between life insurance and macro-economy from macro-level. The research shows that annuity is one of the important ways to form capital stock and plays an important role in macro-economy. Long path and steady state level.
Chapter Five, based on Chapter Four, assumes the frictional market and differentiated individuals, establishes the formation mechanism of financial structure from the perspective of individual savings behavior (i.e. capital supply), discusses the relationship between financial structure and macro-economy, and pays special attention to the promotion of annuity market to macro-economy. Reducing the cost of friction is an important factor affecting the financial structure and is conducive to economic development.
Chapter 6 and Chapter 7 are about the relationship between property insurance and macro-economy. Chapter 6 discusses the relationship between property insurance and macro-economy. It assumes that capital stock faces the risk of property loss and introduces property loss insurance to manage the risk. The introduction of property loss insurance may mitigate the adverse effects of risk.
Chapter 7 continues the research in Chapter 6, assuming that the output is facing the risk of loss of income, and introducing loss of income insurance to manage the risk, thus discussing the relationship between loss of income insurance and output. Industrial insurance is a typical loss of income insurance, so this chapter briefly introduces the conclusions of this chapter model applied to the analysis of agricultural insurance.
The conclusion of this paper is a summary of the conclusions and future research directions. The introduction of risk into the economic model and then insurance is conducive to a functional study of the role of insurance in the economy. The relationship between other important insurance products and the economy.
【学位授予单位】：南开大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F124;F842.6;F224
本文编号：2178929
[Abstract]:Based on the risk management function of insurance, this paper discusses the relationship between life insurance and property insurance and macro-economy, especially the promotion of life insurance and property insurance to economy. Research on macroeconomic relations.
The relationship between life insurance and macro-economy is studied. Firstly, the individual's demand for life insurance is discussed in detail under various circumstances, and the optimal proportion of insurance expenditure in total family expenditure under the principle of utility maximization is solved. Thirdly, by introducing frictional markets and differentiated individuals, the paper establishes the formation model of financial structure from the perspective of capital supply, and discusses the relationship between financial structure and economic growth.
The relationship between property insurance and macro-economy is studied. Firstly, assuming that capital stock faces property loss risk, the economic growth model with inherent risk is established; secondly, property loss insurance is introduced to manage the risk and establish the economic growth model with inherent risk and insurance; thirdly, by comparing risk-free models, risk models, risks and insurance According to the similar steps, this paper assumes that the output faces the risk of loss of income, discusses the relationship between loss of income insurance and output, and applies the corresponding conclusions to the analysis of agricultural insurance.
Through the above research, we get the following two conclusions:
This paper points out that life insurance expenditure plays an important role in the family expenditure structure. The model established in this paper can well simulate the family expenditure structure, especially the family life insurance demand. In addition, the introduction of life insurance will increase the household savings rate, which is conducive to economic development. The macroeconomic growth model of life insurance shows that life insurance plays an important role in economic growth, and the model has a good convergence property. The model with friction and differentiation shows that the development level of various capital markets determines the financial structure of the economy and affects economic development.
In the aspect of property insurance, the introduction of property loss insurance points out that the introduction of property loss risk will reduce the level of capital stock in the steady-state economy, thereby reducing the level of output; the introduction of property loss insurance can mitigate the adverse effects of risk; in addition, the study shows that there is a potential optimal level of insurance demand in the economy. A similar conclusion has been drawn in the study of income-loss insurance, that is, income-loss risk reduces steady-state capital stock and steady-state output, and the introduction of income-loss insurance mitigates the adverse effects of risk.
Specifically, the chapters of this article are as follows:
The first chapter introduces the research questions, research background, research methods and contributions of this paper. It points out that insurance plays a very important role in macro-economy, but the research on the relationship between insurance and macro-economy has not fully revealed the relationship between them, nor has it clarified the path of promoting macro-economy by insurance. Methods To study the relationship between insurance and macro-economy, paying special attention to the promotion of insurance on macro-economy.
Chapters 2 to 5 are about personal insurance and macroeconomic research. Chapter 2 establishes an overlapping generation model with personal risk and considers the intergenerational transfer of income to examine the individual's demand for annuity insurance and life insurance. This chapter shows that life insurance plays an important role in family expenditure, and the model can better simulate the level of household insurance demand.
Chapter 3 improves the model of Chapter 2, assuming that individuals have inheritance motives, and the main purpose of buying life insurance is to leave a legacy for their children. As a result, this chapter also draws a similar conclusion that insurance products will raise household savings rates. Another interesting conclusion is that buying life insurance is the main way for individuals to leave their legacies.
Based on the micro-level research of Chapter 2 and Chapter 3, Chapter 4 establishes the relationship between life insurance and macro-economy from macro-level. The research shows that annuity is one of the important ways to form capital stock and plays an important role in macro-economy. Long path and steady state level.
Chapter Five, based on Chapter Four, assumes the frictional market and differentiated individuals, establishes the formation mechanism of financial structure from the perspective of individual savings behavior (i.e. capital supply), discusses the relationship between financial structure and macro-economy, and pays special attention to the promotion of annuity market to macro-economy. Reducing the cost of friction is an important factor affecting the financial structure and is conducive to economic development.
Chapter 6 and Chapter 7 are about the relationship between property insurance and macro-economy. Chapter 6 discusses the relationship between property insurance and macro-economy. It assumes that capital stock faces the risk of property loss and introduces property loss insurance to manage the risk. The introduction of property loss insurance may mitigate the adverse effects of risk.
Chapter 7 continues the research in Chapter 6, assuming that the output is facing the risk of loss of income, and introducing loss of income insurance to manage the risk, thus discussing the relationship between loss of income insurance and output. Industrial insurance is a typical loss of income insurance, so this chapter briefly introduces the conclusions of this chapter model applied to the analysis of agricultural insurance.
The conclusion of this paper is a summary of the conclusions and future research directions. The introduction of risk into the economic model and then insurance is conducive to a functional study of the role of insurance in the economy. The relationship between other important insurance products and the economy.
【学位授予单位】：南开大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F124;F842.6;F224
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