本文選題：國民幸福感　切入點(diǎn)：效用理論　出處：《天津財經(jīng)大學(xué)》2014年碩士論文

【摘要】：隨著我國經(jīng)濟(jì)發(fā)展水平的不斷提高,保險業(yè)對國民經(jīng)濟(jì)發(fā)展的貢獻(xiàn)程度有了很大的提升,在構(gòu)建和諧社會的進(jìn)程中起到了不可替代的作用。經(jīng)過三十年的發(fā)展,我國保險密度和保險深度較初期都有所提高,通過損失補(bǔ)償、資金融通和社會管理等方式提升了國民幸福感。文章使用中國綜合社會調(diào)查2010數(shù)據(jù)進(jìn)行實(shí)證研究,探討保險發(fā)展與國民幸福感關(guān)系。文章首先從哲學(xué)、心理學(xué)和經(jīng)濟(jì)學(xué)角度分析幸福感的相關(guān)概念,并通過效用理論、前景理論以及消費(fèi)者剩余理論說明了保險業(yè)發(fā)展促進(jìn)國民幸福感的經(jīng)濟(jì)學(xué)理論基礎(chǔ)。其次文章詳細(xì)分析我國保險業(yè)發(fā)展提升國民幸福感的路徑。重點(diǎn)介紹壽險業(yè)與財產(chǎn)保險業(yè)的運(yùn)行機(jī)制、保險的功能和特征,得出保險所具有的的經(jīng)濟(jì)補(bǔ)償、資金融通和社會管理功能,從而通過提高經(jīng)濟(jì)發(fā)展、降低失業(yè)率、調(diào)節(jié)收入差距、提高社會保障程度等方面提升國民幸福感。文章還構(gòu)建實(shí)證分析框架,利用中國綜合社會調(diào)查數(shù)據(jù)對保險發(fā)展與國民幸福感的關(guān)系進(jìn)行實(shí)證研究,證得保險發(fā)展對國民幸福感的提升有著積極作用,保險越發(fā)展,國民幸福感越強(qiáng)烈,保險業(yè)對于促進(jìn)經(jīng)濟(jì)發(fā)展和社會和諧有著正向效應(yīng)。但是我們還應(yīng)該看到,財產(chǎn)保險業(yè)雖然取得了一定程度的發(fā)展,但因其險種、結(jié)構(gòu)等原因,與壽險業(yè)相比我國財產(chǎn)保險業(yè)在促進(jìn)國民幸福感提升方面還存在不足。最后根據(jù)實(shí)證結(jié)果分別從政府增強(qiáng)監(jiān)管水平、保險企業(yè)產(chǎn)品創(chuàng)新、重視消費(fèi)者權(quán)益保護(hù)和商業(yè)保險積極參與社會保障建設(shè)方面提出建議,以此來促進(jìn)保險業(yè)的發(fā)展,提升國民幸福感。
[Abstract]:With the continuous improvement of our country's economic development level, the insurance industry's contribution to the development of national economy has been greatly improved, which has played an irreplaceable role in the process of building a harmonious society. Both the insurance density and the insurance depth in China have been improved in the early stage, and the national happiness has been improved by means of loss compensation, financing and social management. This paper uses 2010 data from China Comprehensive Social Survey to carry out an empirical study. This paper discusses the relationship between insurance development and national well-being. Firstly, this paper analyzes the related concepts of happiness from the perspective of philosophy, psychology and economics, and uses utility theory. Prospect theory and consumer surplus theory explain the economic theoretical basis of insurance development to promote national happiness. Secondly, the article analyzes the path of insurance development to enhance national well-being in detail. And the operational mechanism of the property insurance industry, The functions and characteristics of insurance, and the economic compensation, financing and social management functions of insurance, so as to improve economic development, reduce unemployment rate, and adjust income gap, This paper also constructs an empirical analysis framework to study the relationship between the development of insurance and the well-being of the people by using the comprehensive social survey data of China. The development of insurance has a positive effect on the promotion of national well-being. The more insurance develops, the stronger the national happiness is. The insurance industry has a positive effect on promoting economic development and social harmony. But we should also see that, Although the property insurance industry has made a certain degree of development, but because of its type of insurance, structure and other reasons, Compared with the life insurance industry, China's property insurance industry still has some shortcomings in promoting the national happiness. Finally, according to the empirical results, the government strengthens the supervision level, the insurance enterprise product innovation, In order to promote the development of the insurance industry and enhance the national happiness, the author puts forward some suggestions on the protection of consumers' rights and interests and the active participation of commercial insurance in the construction of social security.
【學(xué)位授予單位】：天津財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842;F126

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