保险业与城镇化发展的互动机制研究

发布时间：2018-04-28 15:14

本文选题：城镇化 + 保险　；参考：《天津财经大学》2016年硕士论文

【摘要】：自党的十六大提出"新型城镇化"战略后,我国在城镇化的建设上取得了卓著的成绩,至2015年底,城镇率已经达到了 56.1%。随着城镇化进程的推进,很多行业都迎来了快速发展的契机,承担风险管理功能的保险业自然也不例外。同时,城镇化发展过程中面临着风险种类复杂繁多、农民工的社会保障水平不足等问题,所以保险业必将迎来巨大的发展空间。伴随着我国的城镇化进程,我国的社会和经济环境都发生了明显的变革,人们收入的提高、教育程度的提升和风险意识的增强等因素都将对保险的需求形成巨大的支持作用。首先,经济水平的提升将会带动我国城乡居民收入的提高,为保险的消费提供坚实的经济条件;其次,随着我国的教育普及,人们的素质将会得到显著的提高,风险意识不断加强,保险的需求量将得到提升;再次,农村人口不断向城镇聚集,有利于保险公司更为便利的开展业务,加速保险行业的市场开发。同时,金融体系在城镇化进程中得到了不断完善,其体系将更为先进,有利于保险企业更好的为客户服务,因为人口的集中化使得保险企业的业务扩展得到了极大的便利;最后,城镇化也将推动农业现代化的进程,农业保险将会发挥巨大的作用,进而带动保险消费的提升。同时,保险业通过参与城镇的风险管理、资金的投入等也将对城镇化发展质量的提升有很大的促进作用。在理论分析后,接着将通过因子分析法构建更能反映城镇化发展水平的综合指标体系,得出我国各省市的城镇化发展情况,经过比较可以发现我国各省市城镇化的整体发展质量存在着较为明显的区域差异。紧接着,选取保险密度和保险深度作为被解释变量,构建混合效应模型,实证结果表明四个城镇化因子与保险密度高度相关,而与保险深度则无强相关关系,同时,四个城镇化因子对于财险保险密度的解释度高于寿险保险密度的解释度,即城镇化水平将会对财产保险的发展产生更大的影响。然后通过构建脉冲响应函数,结果表明:当保险密度在各个地区指标效用逐步扩大,会导致城镇化率的繁荣扩张,而城镇化率的逐步上升,也会导致保险需求量的不断上涨,从而形成综合城镇化率同保险需求间的良性互动机制。论文最后分析了保险业和城镇化发展互动机制中的困境,同时针对这些困境提出了一些政策建议。
[Abstract]:Since the 16th National Congress of the Communist Party of China put forward the strategy of "new urbanization", China has made remarkable achievements in the construction of urbanization. By the end of 2015, the urban rate has reached 56.1%. With the advancement of urbanization, many industries have welcomed the opportunity of rapid development, and the insurance industry, which assumes the function of risk management, is no exception. At the same time, in the process of urbanization, the risks are complex and various, the level of social security of migrant workers is insufficient, so the insurance industry will usher in a huge space for development. With the process of urbanization in our country, the social and economic environment of our country has undergone obvious changes. The increase of people's income, the improvement of education level and the enhancement of risk consciousness will all play a great supporting role in the demand of insurance. First, the improvement of the economic level will lead to the improvement of the income of urban and rural residents in our country and provide a solid economic condition for the consumption of insurance. Secondly, with the popularization of education in our country, people's quality will be significantly improved. With the strengthening of risk consciousness, the demand for insurance will be increased. Thirdly, the rural population will gather to the cities and towns, which will help the insurance companies to carry out business more conveniently and accelerate the market development of the insurance industry. At the same time, the financial system has been continuously improved in the process of urbanization, and its system will be more advanced, which is conducive to the insurance enterprises to better serve their customers, because the concentration of the population makes the business expansion of insurance enterprises greatly convenient; Finally, urbanization will also promote the process of agricultural modernization, agricultural insurance will play a huge role, and then promote the consumption of insurance. At the same time, the insurance industry will promote the development quality of urbanization by participating in the risk management of cities and towns and the investment of funds. After theoretical analysis, we will construct a comprehensive index system which can reflect the level of urbanization by factor analysis, and get the development of urbanization in various provinces and cities in China. Through comparison, we can find that there are obvious regional differences in the overall development quality of urbanization in various provinces and cities in China. Then, the insurance density and insurance depth are selected as the explanatory variables, and the mixed effect model is constructed. The empirical results show that the four urbanization factors are highly correlated with the insurance density, but have no strong correlation with the insurance depth. The interpretation of the four urbanization factors for the density of property insurance is higher than that for the density of life insurance, that is, the level of urbanization will have a greater impact on the development of property insurance. Then, by constructing impulse response function, the results show that when the utility of insurance density increases in every region, it will lead to the prosperity and expansion of urbanization rate, and the increase of urbanization rate will also lead to the rising of insurance demand. Thus forms the comprehensive urbanization rate and the insurance demand the benign interaction mechanism. Finally, the paper analyzes the difficulties in the interactive mechanism of insurance and urbanization, and puts forward some policy suggestions.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842;F299.21

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