本文選題：保險業(yè) + 經濟增長��； 參考：《西北大學》2014年碩士論文

【摘要】：保險業(yè)是金融業(yè)的三大支柱之一。在現(xiàn)代經濟社會中,保險發(fā)揮著風險管理、經濟補償、資金融通和社會管理等功能。國際實踐及研究表明,保險與一國經濟增長之間具有高度的相關性。近30年來,我國保險業(yè)的增長速度顯著高于國民經濟的增長速度,其在經濟中的地位大幅提升,成為經濟發(fā)展中的一個重要部門。由于我國區(qū)域經濟發(fā)展不平衡,保險業(yè)區(qū)域差異性也很明顯,因此,區(qū)域保險業(yè)發(fā)展與經濟增長之間的關系是值得我們深入研究和探討的重要問題。 本文研究了我國西部地區(qū)的陜西省保險業(yè)發(fā)展與經濟增長的關系問題。文章首先對國內外相關文獻進行梳理。其次,概述保險與經濟增長關系的相關理論,為后文的實證檢驗奠定理論根基。第三,分析了陜西保險業(yè)和經濟發(fā)展現(xiàn)狀及存在的問題。第四,選擇2004-2013年的季度數(shù)據,實證檢驗陜西保費收入對消費、投資、出口的影響。最后,提出相關對策建議。 本文的主要結論包括以下幾個方面。其一,根據新金融發(fā)展理論的Pagano模型可知,保險業(yè)通過影響資本配置效率、儲蓄向投資轉化的比例、儲蓄率對經濟增長產生促進作用。其二,陜西保險業(yè)通過消費途徑促進經濟增長,通過風險管理功能使預防性需求減少來增加消費。其三,保險業(yè)通過投資途徑促進經濟增長,通過資金融通功能集聚資金,為經濟增長提供資金來源。其四,保險業(yè)通過出口途徑促進經濟增長,出口信用保險對出口和境外投資提供了貿易保障。其五,政府應加強保險市場體系建設,完善保險監(jiān)管制度；保險公司應創(chuàng)新產品,提高保險資金運用水平。
[Abstract]:The insurance industry is one of the three pillars of the financial industry. In modern economic society, insurance plays a role in risk management, economic compensation, fund financing and social management. International practice and research show that there is a high correlation between insurance and a country's economic growth. In the past 30 years, the growth rate of the insurance industry in our country is obviously higher than that of the national economy, and its position in the economy has been greatly increased, and it has become an important department in the economic development. Because the regional economic development of our country is unbalanced and the regional difference of insurance industry is obvious, the relationship between regional insurance industry development and economic growth is an important issue worthy of further study and discussion. This paper studies the relationship between the development of Shaanxi insurance industry and economic growth in the western part of China. The article firstly combs the related literature at home and abroad. Secondly, it summarizes the related theories of the relationship between insurance and economic growth, and lays a theoretical foundation for the empirical test later. Third, the analysis of Shaanxi insurance and economic development status and existing problems. Fourth, select the 2004-2013 quarterly data to test the impact of Shaanxi premium income on consumption, investment and exports. Finally, the relevant countermeasures and suggestions are put forward. The main conclusions of this paper include the following aspects. First, according to the Pagano model of the new financial development theory, the insurance industry promotes economic growth by influencing the efficiency of capital allocation, the proportion of savings to investment, and the savings rate. Second, Shaanxi insurance industry promotes economic growth through consumption and increases consumption by reducing preventive demand through risk management. Third, the insurance industry promotes economic growth through investment channels, and gathers funds through the function of financing to provide a source of funds for economic growth. Fourthly, the insurance industry promotes economic growth through export channels, and export credit insurance provides trade protection for exports and overseas investment. Fifthly, the government should strengthen the construction of insurance market system and perfect the insurance supervision system, and the insurance companies should innovate their products and raise the level of insurance fund utilization.
【學位授予單位】：西北大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.7;F127

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本文編號：1816152