本文關(guān)鍵詞： 保險(xiǎn)發(fā)展 經(jīng)濟(jì)增長 產(chǎn)業(yè)關(guān)聯(lián) 計(jì)量檢驗(yàn)　出處：《西北大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開放以來,陜西地區(qū)的保險(xiǎn)行業(yè)伴隨著我國經(jīng)濟(jì)體制的不斷發(fā)展和變革,取得的成就日益顯著,它的發(fā)展速度比我國的國民經(jīng)濟(jì)發(fā)展速度還要迅速。十幾年來,陜西地區(qū)保險(xiǎn)行業(yè)保費(fèi)收入呈現(xiàn)出高速增長態(tài)勢,平均每年增加的比率高達(dá)26%,并且,保險(xiǎn)的密度以及保險(xiǎn)的深度也獲得了非常大的提升,隨著陜西地區(qū)的市場化程度不斷提升和經(jīng)濟(jì)體制改革的不斷發(fā)展,以及保險(xiǎn)主體和保險(xiǎn)市場建設(shè)的不斷改進(jìn)和完善,使得陜西地區(qū)的保險(xiǎn)行業(yè)規(guī)模逐漸擴(kuò)大,對陜西地區(qū)的經(jīng)濟(jì)發(fā)展起到越來越明顯的促進(jìn)作用。 國內(nèi)外針對保險(xiǎn)業(yè)發(fā)展以及經(jīng)濟(jì)增長的研究,目前還在探索和起步階段,還沒有太多的參考資料、經(jīng)濟(jì)模型以及研究方法可供借鑒,雖然有一些學(xué)者進(jìn)行了初步的研究,但是,一直到現(xiàn)在為止,都還沒有形成一個(gè)全面的、系統(tǒng)性的研究成果。對于保險(xiǎn)行業(yè)而言,它屬于金融服務(wù)行業(yè)的一部分,必然有與金融服務(wù)行業(yè)相同的功能,比如,針對社會(huì)的資源進(jìn)行配置,對資金進(jìn)行融通,創(chuàng)造出經(jīng)濟(jì)價(jià)值。不但如此,保險(xiǎn)行業(yè)還可以為社會(huì)提供風(fēng)險(xiǎn)管理、經(jīng)濟(jì)補(bǔ)償,防災(zāi)防損等重要的經(jīng)濟(jì)職能,由此可以看到,保險(xiǎn)行業(yè)對經(jīng)濟(jì)增長不僅起到了普通金融服務(wù)行業(yè)的功能還有十分重要的特殊作用。在陜西地區(qū),保險(xiǎn)業(yè)起步較晚,基礎(chǔ)較為薄弱,目前的發(fā)展水平以及規(guī)模程度,還無法和證券行業(yè)以及銀行業(yè)進(jìn)行對比,但是,由于它自身職能的特殊性,以及十幾年來的快速發(fā)展能夠?yàn)殛兾鞯貐^(qū)的經(jīng)濟(jì)增長起到特殊和越來越大的貢獻(xiàn)作用。 基于以上原因,本文通過對陜西保險(xiǎn)業(yè)發(fā)展和經(jīng)濟(jì)增長數(shù)據(jù)的分析,結(jié)合理論分析和實(shí)證分析,以產(chǎn)業(yè)經(jīng)濟(jì)學(xué)和服務(wù)經(jīng)濟(jì)理論為基礎(chǔ),研究陜西保險(xiǎn)業(yè)發(fā)展對經(jīng)濟(jì)增長的貢獻(xiàn)。同時(shí),根據(jù)保險(xiǎn)業(yè)經(jīng)濟(jì)職能的特殊性,分析出保險(xiǎn)業(yè)對經(jīng)濟(jì)增長的貢獻(xiàn)不僅表現(xiàn)在對GDP的直接貢獻(xiàn)上,更多的體現(xiàn)為保險(xiǎn)賠付職能對經(jīng)濟(jì)增長的間接貢獻(xiàn)和影響,即基于保險(xiǎn)賠付的產(chǎn)業(yè)關(guān)聯(lián)和產(chǎn)業(yè)波及。同時(shí)還結(jié)合陜西地區(qū)保險(xiǎn)業(yè)自身發(fā)展趨勢以及特點(diǎn)分析和研究了影響陜西保險(xiǎn)業(yè)發(fā)展的主要原因,并給出合理的改革方法及政策建議。
[Abstract]:Since the reform and opening up to the outside world, the insurance industry in Shaanxi has been undergoing the continuous development and transformation of the economic system of our country, and has made more remarkable achievements. Its development rate is faster than that of the national economy of our country. In the past ten years or so, Insurance premium income in Shaanxi shows a rapid growth trend, with an average annual increase rate of 26%. Moreover, the density of insurance and the depth of insurance have also been greatly improved. With the continuous promotion of marketization and the development of economic system reform in Shaanxi, as well as the continuous improvement and perfection of insurance subject and insurance market construction, the scale of insurance industry in Shaanxi has been gradually expanded. Shaanxi economic development to play a more and more obvious role in promoting. Domestic and foreign research on the development of insurance industry and economic growth is still in the exploration and initial stage, there are not too many reference materials, economic models and research methods can be used for reference, although some scholars have carried out preliminary research. However, up to now, there has not been a comprehensive and systematic research result. For the insurance industry, it is part of the financial services industry and must have the same functions as the financial services industry, for example, The insurance industry can also provide the society with important economic functions such as risk management, economic compensation, disaster prevention and loss prevention and so on. The insurance industry not only plays a very important role in economic growth, but also plays a very important role in the general financial service industry. In Shaanxi, the insurance industry started late and its foundation was relatively weak. It can not be compared with the securities industry and the banking industry, but because of the particularity of its own function and the rapid development in the past ten years, it can play a special and increasing contribution to the economic growth in Shaanxi. Based on the above reasons, through the analysis of Shaanxi insurance industry development and economic growth data, combined with theoretical analysis and empirical analysis, based on industrial economics and service economy theory, This paper studies the contribution of the development of Shaanxi insurance industry to the economic growth. At the same time, according to the particularity of the economic function of the insurance industry, it analyzes that the contribution of the insurance industry to the economic growth is not only reflected in the direct contribution to GDP. More reflected in the indirect contribution and impact of the insurance compensation function on economic growth, At the same time, combined with the development trend and characteristics of the insurance industry in Shaanxi region, the main reasons affecting the development of the insurance industry in Shaanxi are analyzed and studied, and the reasonable reform methods and policy suggestions are given.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F127;F842.7

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 孫建中;對我國保險(xiǎn)業(yè)發(fā)展的歷史分析和前景預(yù)測[J];保險(xiǎn)研究;1999年09期

2 張偉紅;;我國保險(xiǎn)銷售渠道建設(shè)探析[J];保險(xiǎn)研究;2008年03期

3 劉尚榮;;青海保險(xiǎn)業(yè)與經(jīng)濟(jì)社會(huì)和諧發(fā)展研究[J];保險(xiǎn)研究;2008年08期

4 趙尚梅;李勇;龐玉鋒;;保險(xiǎn)業(yè)對經(jīng)濟(jì)增長貢獻(xiàn)的理論模型與實(shí)證檢驗(yàn)[J];保險(xiǎn)研究;2009年01期

5 王琪;王寒;;個(gè)人保險(xiǎn)、消費(fèi)和儲(chǔ)蓄決策[J];保險(xiǎn)研究;2009年05期

6 王曉省;;青海保險(xiǎn)業(yè)發(fā)展與經(jīng)濟(jì)增長關(guān)系分析[J];財(cái)經(jīng)界(學(xué)術(shù)版);2011年06期

7 粟芳;保險(xiǎn)規(guī)模的預(yù)測模型及實(shí)證分析[J];財(cái)經(jīng)研究;2000年04期

8 鄧小艷;重慶市第三產(chǎn)業(yè)發(fā)展與經(jīng)濟(jì)增長相關(guān)性分析[J];重慶工商大學(xué)學(xué)報(bào).西部經(jīng)濟(jì)論壇;2003年04期

9 李偉平;;經(jīng)濟(jì)開放度與金融發(fā)展:基于中國數(shù)據(jù)的實(shí)證研究[J];當(dāng)代經(jīng)濟(jì)管理;2007年06期

10 趙尚梅,王平生,陳曦;山東省保險(xiǎn)業(yè)同其他產(chǎn)業(yè)關(guān)聯(lián)性的實(shí)證研究[J];東岳論叢;2005年03期

，

本文編號(hào)：1501444