本文選題：保險業(yè)發(fā)展 + 經(jīng)濟(jì)增長　； 參考：《江蘇大學(xué)》2017年碩士論文

【摘要】：保險自誕生以來,一直為經(jīng)濟(jì)社會的發(fā)展和穩(wěn)定做出重要貢獻(xiàn)。一方面保險具有金融的一般功能,能夠融通資金和合理配置社會資源;另一方面保險又因其風(fēng)險保障和經(jīng)濟(jì)補(bǔ)償?shù)奶厥庑?有利于社會穩(wěn)定和增加消費,因而能對經(jīng)濟(jì)增長產(chǎn)生正向的推動作用。伴隨著社會的快速發(fā)展,經(jīng)濟(jì)運行環(huán)境也日益復(fù)雜,風(fēng)險的控制與防范便顯得至關(guān)重要。因此,研究保險業(yè)發(fā)展對江蘇省經(jīng)濟(jì)增長的貢獻(xiàn)情況,對江蘇省經(jīng)濟(jì)的發(fā)展和保險業(yè)自身的發(fā)展完善,都具有積極的現(xiàn)實意義。本文在區(qū)域經(jīng)濟(jì)理論的指導(dǎo)下以江蘇省保險業(yè)為考察對象,首先,從理論角度介紹了保險業(yè)發(fā)展如何促進(jìn)經(jīng)濟(jì)增長以及保險業(yè)對經(jīng)濟(jì)增長的作用具體表現(xiàn)在哪些方面;其次,從整體和區(qū)域兩個角度借助多個指標(biāo)定量分析了江蘇省保險業(yè)和經(jīng)濟(jì)發(fā)展的現(xiàn)狀;再次,選取江蘇省2005-2015年間的有關(guān)數(shù)據(jù),使用計量經(jīng)濟(jì)模型中的面板數(shù)據(jù)模型進(jìn)行實證分析和檢驗,重點研究財產(chǎn)保險與人壽保險對經(jīng)濟(jì)增長的貢獻(xiàn),然后再引入銀行業(yè)變量,分別分析財產(chǎn)保險與銀行業(yè)的交互效應(yīng)以及人壽保險與銀行業(yè)的交互效應(yīng)對經(jīng)濟(jì)增長的影響,并對保險業(yè)在蘇南、蘇中、蘇北三大區(qū)域?qū)?jīng)濟(jì)增長的貢獻(xiàn)度差異進(jìn)行比較分析;最后,從增強(qiáng)保險業(yè)自身實力和提高保險對經(jīng)濟(jì)增長的促進(jìn)作用兩個維度出發(fā),提出發(fā)展保險業(yè)的對策建議。研究發(fā)現(xiàn):江蘇省保險業(yè)對經(jīng)濟(jì)增長的直接貢獻(xiàn)突出,呈現(xiàn)蘇南、蘇中、蘇北的梯度分布;從江蘇省總體角度看,財產(chǎn)保險對經(jīng)濟(jì)增長有顯著推動作用,而人壽保險的貢獻(xiàn)并不明顯;從區(qū)域角度來看,財產(chǎn)保險對經(jīng)濟(jì)增長的貢獻(xiàn)蘇北地區(qū)最強(qiáng)而蘇中地區(qū)最弱,人壽保險在蘇北地區(qū)制約了經(jīng)濟(jì)增長,而在蘇南、蘇中地區(qū)無顯著關(guān)系;保險業(yè)與銀行業(yè)的競爭關(guān)系占主導(dǎo)地位,協(xié)同性較差。最后為促進(jìn)保險業(yè)發(fā)展和經(jīng)濟(jì)增長提出了若干對策建議:優(yōu)化財產(chǎn)保險和人壽保險比例;財產(chǎn)保險實行區(qū)域差異化發(fā)展策略;拓寬人壽保險資金投資渠道;強(qiáng)化保險業(yè)與銀行業(yè)的合作;加強(qiáng)保險人才隊伍建設(shè);監(jiān)管部門監(jiān)督標(biāo)準(zhǔn)多樣化。
[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.
【學(xué)位授予單位】：江蘇大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F127;F842.7

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 姜天龍;范靜;;保險業(yè)市場結(jié)構(gòu)對經(jīng)濟(jì)增長的影響研究——基于省際面板數(shù)據(jù)的空間計量檢驗[J];技術(shù)經(jīng)濟(jì)與管理研究;2017年03期

2 田衛(wèi)民;;金融發(fā)展緣何抑制了經(jīng)濟(jì)增長——來自中國省際面板數(shù)據(jù)的經(jīng)驗證據(jù)[J];經(jīng)濟(jì)問題;2017年01期

3 羅鳴;;保險資產(chǎn)配置國際比較及啟示[J];武漢金融;2017年01期

4 張韻;;保險行業(yè)發(fā)展與經(jīng)濟(jì)增長——基于1983年-2012年27個OECD國家的數(shù)據(jù)[J];現(xiàn)代管理科學(xué);2016年12期

5 蒲善霞;;保險業(yè)與經(jīng)濟(jì)增長關(guān)系的Granger因果檢驗[J];西南師范大學(xué)學(xué)報(自然科學(xué)版);2016年09期

6 胡少勇;陳雪;;保險業(yè)結(jié)構(gòu)與經(jīng)濟(jì)增長效應(yīng)分析——基于分省面板數(shù)據(jù)的研究[J];江西財經(jīng)大學(xué)學(xué)報;2016年03期

7 易輝;郝演蘇;;共享經(jīng)濟(jì)背景下的眾籌相互保險[J];中央財經(jīng)大學(xué)學(xué)報;2016年04期

8 于成永;;金融發(fā)展與經(jīng)濟(jì)增長關(guān)系:方向與結(jié)構(gòu)差異——源自全球銀行與股市的元分析證據(jù)[J];南開經(jīng)濟(jì)研究;2016年01期

9 邵全權(quán);;保險業(yè)市場結(jié)構(gòu)、產(chǎn)壽險結(jié)構(gòu)對“保險-經(jīng)濟(jì)增長”系統(tǒng)的影響[J];保險研究;2015年12期

10 鄭慧;王濤;;基于局部多項式模型的沿海地區(qū)保險發(fā)展與經(jīng)濟(jì)增長之間動態(tài)關(guān)系研究[J];中央財經(jīng)大學(xué)學(xué)報;2015年10期

相關(guān)博士學(xué)位論文 前2條

1 周燦;中國保險業(yè)的經(jīng)濟(jì)外部性實證研究[D];中南大學(xué);2014年

2 李香雨;中國保險業(yè)促進(jìn)經(jīng)濟(jì)增長的路徑研究[D];吉林大學(xué);2012年

，

本文編號：1773059