本文選題：保險(xiǎn)消費(fèi) + 經(jīng)濟(jì)增長(zhǎng)　； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)改革的深入,我國(guó)對(duì)經(jīng)濟(jì)增長(zhǎng)的倚重開始發(fā)生變化,擴(kuò)大國(guó)內(nèi)消費(fèi)需求,促進(jìn)經(jīng)濟(jì)增長(zhǎng)由投資向消費(fèi)轉(zhuǎn)移成為一個(gè)重要的訴求。消費(fèi)是經(jīng)濟(jì)活動(dòng)和發(fā)展的基本內(nèi)容和目的,因此在經(jīng)濟(jì)發(fā)展和研究中占有至關(guān)重要的地位。近年來(lái),消費(fèi)金融在國(guó)內(nèi)快速發(fā)展,各種金融資產(chǎn)與服務(wù)得到極大的豐富。保險(xiǎn)消費(fèi)作為一種金融消費(fèi)方式,在我國(guó)居民的家庭資產(chǎn)配置中扮演著越來(lái)越重要的角色。當(dāng)前我國(guó)的保險(xiǎn)業(yè)快速發(fā)展,居民們的保險(xiǎn)消費(fèi)需求明顯增加,至2012年止,全年我國(guó)保險(xiǎn)公司原保費(fèi)收入達(dá)到15488億元,相比上年增長(zhǎng)8.0%,保險(xiǎn)密度和保險(xiǎn)深度也體現(xiàn)出上升有趨勢(shì)。與此同時(shí),我國(guó)經(jīng)濟(jì)也保持良好的增長(zhǎng)勢(shì)頭,到2012年止,我國(guó)的國(guó)內(nèi)生產(chǎn)總值已經(jīng)達(dá)到519322億元,比上年增長(zhǎng)7.8%,雖然較以往有所回落,但仍處于較高發(fā)展水平,遠(yuǎn)遠(yuǎn)高于世界其它國(guó)家或地區(qū)。保險(xiǎn)消費(fèi)與經(jīng)濟(jì)增長(zhǎng)都處于快速發(fā)展的最佳時(shí)期,我國(guó)保險(xiǎn)消費(fèi)對(duì)經(jīng)濟(jì)的拉動(dòng)作用值得關(guān)注。 在大量的研究金融業(yè)與經(jīng)濟(jì)增長(zhǎng)的文獻(xiàn)中,人們比較關(guān)注銀行,證券與經(jīng)濟(jì)增長(zhǎng)的相互作用,往往忽視了保險(xiǎn)業(yè)在經(jīng)濟(jì)增長(zhǎng)中的促進(jìn)作用。然而,一方面由于保險(xiǎn)業(yè)與其它金融服務(wù)業(yè)一樣具備融通資金,優(yōu)化資源配置的功能,另一方面保險(xiǎn)還具備其它金融行業(yè)不具備的風(fēng)險(xiǎn)保障和社會(huì)管理的功能。因而對(duì)保險(xiǎn)業(yè)與經(jīng)濟(jì)增長(zhǎng)關(guān)系的研究也是非常有必要的。 國(guó)內(nèi)學(xué)者在對(duì)保險(xiǎn)業(yè)與經(jīng)濟(jì)增長(zhǎng)關(guān)系的研究,大都還是粗略式將保險(xiǎn)作為一個(gè)整體的變量,而沒有充分考慮到保險(xiǎn)消費(fèi)的結(jié)構(gòu)上的差異,即沒有考慮人身保險(xiǎn)消費(fèi)與財(cái)產(chǎn)保險(xiǎn)消費(fèi)在經(jīng)濟(jì)促進(jìn)作用的不同。這樣的研究容易忽視我國(guó)當(dāng)前保險(xiǎn)消費(fèi)對(duì)經(jīng)濟(jì)增長(zhǎng)的作用的差別,從而得出不正確的結(jié)論。在我國(guó)當(dāng)前保險(xiǎn)業(yè)迅速發(fā)展但仍處于初級(jí)發(fā)展水平的大背景下,有必要認(rèn)真考察財(cái)產(chǎn)保險(xiǎn)消費(fèi)與人身保險(xiǎn)消費(fèi)的差異性。從我國(guó)保險(xiǎn)業(yè)的整體水平來(lái)看,保險(xiǎn)的覆蓋率還很低,這主要表現(xiàn)在保險(xiǎn)深度與保險(xiǎn)密度等指標(biāo)值較小,保險(xiǎn)消費(fèi)水平在不同的區(qū)域間發(fā)展極不平衡。另一個(gè)方面則表現(xiàn)在居民的保險(xiǎn)消費(fèi)結(jié)構(gòu)很不合理,即有財(cái)產(chǎn)保險(xiǎn)消費(fèi)與人身保險(xiǎn)消費(fèi)的不均衡,也有人身保險(xiǎn)內(nèi)部的投資型保險(xiǎn)與保障型保險(xiǎn)的失衡、人壽保險(xiǎn)與健康意外險(xiǎn)的失衡,這種失衡充分反映了我國(guó)保險(xiǎn)消費(fèi)的落后。 對(duì)保險(xiǎn)消費(fèi)對(duì)經(jīng)濟(jì)增長(zhǎng)效應(yīng)的研究具有理論與現(xiàn)實(shí)的意義。在理論上從消費(fèi)的角度出發(fā)來(lái)研究保險(xiǎn)與經(jīng)濟(jì)增長(zhǎng)的關(guān)系的文獻(xiàn)還不多,這樣的研究有利于促進(jìn)學(xué)科間的整合。特別是在國(guó)內(nèi)對(duì)金融發(fā)展對(duì)其關(guān)系的清楚梳理,能夠認(rèn)識(shí)到保險(xiǎn)消費(fèi)在經(jīng)濟(jì)增長(zhǎng)的理論價(jià)值。保險(xiǎn)消費(fèi)作為現(xiàn)代居民生活消費(fèi)的一部分,它一方面表現(xiàn)出一般消費(fèi)的相似點(diǎn),另一方面又表現(xiàn)出異于一般消費(fèi)的特點(diǎn)。有關(guān)消費(fèi)促進(jìn)經(jīng)濟(jì)增長(zhǎng)的研究已經(jīng)導(dǎo)出不窮,不過保險(xiǎn)消費(fèi)由于具有其獨(dú)特特征,并不能簡(jiǎn)單地套用以往的結(jié)論。保險(xiǎn)消費(fèi)對(duì)于保險(xiǎn)業(yè)發(fā)展具有重要的作用,保險(xiǎn)消費(fèi)需求的旺盛與否以及保險(xiǎn)消費(fèi)結(jié)構(gòu)的變化都會(huì)影響到整個(gè)保險(xiǎn)業(yè)的發(fā)展。 在本文的文獻(xiàn)綜述部分,詳細(xì)介紹了當(dāng)前國(guó)際國(guó)內(nèi)對(duì)保險(xiǎn)發(fā)展與經(jīng)濟(jì)增長(zhǎng)關(guān)系研究的權(quán)威文獻(xiàn),通過認(rèn)真閱讀這些研究,在介紹的同時(shí),本文還做了比較全面的評(píng)析,對(duì)一些研究中的不足提出了自己的看法,總得來(lái)說(shuō)也比較清楚了梳理了相關(guān)方面的研究,并對(duì)未來(lái)的研究方向做出了自己的預(yù)判 接下來(lái)的部分,本文從消費(fèi)的角度出發(fā),首先對(duì)保險(xiǎn)消費(fèi)進(jìn)行了重新定義,本文認(rèn)為,保險(xiǎn)是一種服務(wù)型消費(fèi)品,保險(xiǎn)消費(fèi)實(shí)質(zhì)上是一種服務(wù)型消費(fèi),是人們?yōu)榱藵M足保險(xiǎn)需求而購(gòu)買或使用保險(xiǎn)產(chǎn)品或保險(xiǎn)服務(wù)的消費(fèi)過程。這樣的一種新定義,不但規(guī)定了保險(xiǎn)消費(fèi)的特殊性即是為了保險(xiǎn)需求,也更準(zhǔn)確的表明了保險(xiǎn)消費(fèi)的主體。這個(gè)定義是本文根據(jù)以往的研究以及自己的總結(jié)歸納而成,與以前研究中的“保險(xiǎn)消費(fèi)是消費(fèi)者為了保障生命財(cái)產(chǎn)安全,滿足其安全需求的一種消費(fèi)”相比,在意思的表達(dá)上更加準(zhǔn)確,在涉及了內(nèi)容方面更加全面。本文還對(duì)保險(xiǎn)消費(fèi)與一般消費(fèi)進(jìn)行了詳細(xì)的對(duì)比。即提及了兩者的聯(lián)系,這兩者相互影響,共同作用構(gòu)成我國(guó)居民日常消費(fèi)。對(duì)保險(xiǎn)消費(fèi)的主體、對(duì)象、實(shí)質(zhì)、特征做了入微的闡述,并且重點(diǎn)區(qū)別了保險(xiǎn)消費(fèi)與一般消費(fèi),相對(duì)一般消費(fèi)來(lái)說(shuō),保險(xiǎn)消費(fèi)具有消費(fèi)對(duì)象的特殊性、消費(fèi)結(jié)果的不確定性、消費(fèi)過程的互助性、雙向選擇性等特點(diǎn),通過這些分析,可以對(duì)保險(xiǎn)消費(fèi)有一個(gè)比較清晰的認(rèn)識(shí)。 在保險(xiǎn)消費(fèi)與經(jīng)濟(jì)增長(zhǎng)關(guān)系的這一部分,首先本文分析了經(jīng)濟(jì)發(fā)展促進(jìn)保險(xiǎn)消費(fèi)的增加主要是通過以下幾個(gè)原因來(lái)實(shí)現(xiàn)：一是經(jīng)濟(jì)發(fā)展不斷產(chǎn)生新的風(fēng)險(xiǎn),風(fēng)險(xiǎn)的變化與增加,引起人們保險(xiǎn)消費(fèi)需求的變化與增加；二是收入或財(cái)富增加引起保險(xiǎn)消費(fèi)需求變化。三是經(jīng)濟(jì)發(fā)展導(dǎo)致人們消費(fèi)習(xí)慣的變化、以及壽命的延長(zhǎng)都會(huì)增加人們對(duì)保險(xiǎn)消費(fèi)的需求。緊接而來(lái)的是,本文在保險(xiǎn)消費(fèi)對(duì)經(jīng)濟(jì)增長(zhǎng)效應(yīng)的分析。在這里本文主要通過三個(gè)功能以及四個(gè)渠道來(lái)對(duì)其分析。三個(gè)功能指的是經(jīng)濟(jì)損失補(bǔ)償功能、社會(huì)管理功能,以及保險(xiǎn)消費(fèi)促進(jìn)儲(chǔ)蓄向投資轉(zhuǎn)化的功能。很多研究不太重視保險(xiǎn)的社會(huì)管理功能,本文在這里對(duì)保險(xiǎn)的社會(huì)管理功能如何促進(jìn)經(jīng)濟(jì)發(fā)展做了簡(jiǎn)單的分析。四個(gè)渠道就是指保險(xiǎn)消費(fèi)通過消費(fèi)渠道、資金融通渠道、出口渠道以及技術(shù)渠道四方面來(lái)發(fā)揮其經(jīng)濟(jì)的促進(jìn)作用。本文在這里還專門提到了財(cái)產(chǎn)保險(xiǎn)消費(fèi)與人身保險(xiǎn)消費(fèi)對(duì)經(jīng)濟(jì)增長(zhǎng)的作用機(jī)制的差別：人身保險(xiǎn)消費(fèi)主要通過其儲(chǔ)蓄功能來(lái)實(shí)現(xiàn),而財(cái)產(chǎn)保險(xiǎn)則是通過損失補(bǔ)償?shù)臋C(jī)理促進(jìn)經(jīng)濟(jì)的增長(zhǎng)�？疾斓絻烧咦饔脵C(jī)制的不同,可以預(yù)期兩者對(duì)經(jīng)濟(jì)產(chǎn)生的影響也是不一樣的。 在實(shí)證部分,本文對(duì)保險(xiǎn)消費(fèi)促進(jìn)經(jīng)濟(jì)增長(zhǎng)的作用進(jìn)行了較為詳細(xì)與全面的分析,充分考慮到財(cái)產(chǎn)保險(xiǎn)消費(fèi)與人身保險(xiǎn)消費(fèi)對(duì)經(jīng)濟(jì)增長(zhǎng)作用機(jī)制的差異。文中采用1986-2011年的數(shù)據(jù),通過建立時(shí)間序列對(duì)保險(xiǎn)消費(fèi)與經(jīng)濟(jì)增長(zhǎng)進(jìn)行經(jīng)驗(yàn)分析,在分析的過程中,同時(shí)將反映技術(shù)的變量高中升學(xué)率、反映資本存量的人均資本。實(shí)證結(jié)果顯示,財(cái)產(chǎn)保險(xiǎn)消費(fèi)對(duì)我國(guó)經(jīng)濟(jì)增長(zhǎng)有比較顯著的促進(jìn)作用,而人身保險(xiǎn)消費(fèi)則表現(xiàn)出負(fù)的作用。本文對(duì)這個(gè)回歸結(jié)果進(jìn)行了充分的解釋,同時(shí)對(duì)與以往研究結(jié)論上的差異也給出了合理的理由。本文認(rèn)為財(cái)產(chǎn)保險(xiǎn)之所表現(xiàn)出比較顯著的促進(jìn)作用在于其風(fēng)險(xiǎn)保障功能的發(fā)揮與經(jīng)濟(jì)的直接關(guān)聯(lián)性比較強(qiáng)。而人身保險(xiǎn)消費(fèi)表現(xiàn)出抑制作用,其原因則比較復(fù)雜：其一在于我國(guó)人身保險(xiǎn)的快速增長(zhǎng)有一定的泡沫性,其二可能是我國(guó)監(jiān)管對(duì)保險(xiǎn)資金的運(yùn)用限制過于嚴(yán)格,造成保險(xiǎn)資金的運(yùn)用渠道狹窄,運(yùn)用效率不高。除此之外,當(dāng)前,我國(guó)人身保險(xiǎn)消費(fèi)比較熱衷于投資型的產(chǎn)品,而不是保障型的產(chǎn)品,這樣形成了保險(xiǎn)業(yè)與銀行、證券等行業(yè)的競(jìng)爭(zhēng)關(guān)系而不是互補(bǔ)格局,這樣金融協(xié)同作用無(wú)法得到有效發(fā)揮,也可能會(huì)影響經(jīng)濟(jì)的增長(zhǎng)。 在本文的末尾,根據(jù)財(cái)產(chǎn)保險(xiǎn)與人身保險(xiǎn)的差異,以及在前文的實(shí)證結(jié)果,最后提出了幾點(diǎn)針對(duì)性很強(qiáng)的解決思路與建議。 本文可能的創(chuàng)新之處主要有以下幾點(diǎn)： 一、論文選題有較強(qiáng)的現(xiàn)實(shí)性。保險(xiǎn)并非一個(gè)新生物,對(duì)保險(xiǎn)與經(jīng)濟(jì)增長(zhǎng)關(guān)系的研究也有不少,但從消費(fèi)角度來(lái)研究保險(xiǎn)與經(jīng)濟(jì)增長(zhǎng)關(guān)系的文獻(xiàn)還很少。在當(dāng)前力促經(jīng)濟(jì)增長(zhǎng)由投資向消費(fèi)方向轉(zhuǎn)變的大背景下,消費(fèi)金融風(fēng)生水起,保險(xiǎn)消費(fèi)作為其中一個(gè)部分,其對(duì)經(jīng)濟(jì)的作用在當(dāng)前研究中還沒有受到重視,大部分研究都集中在銀行與證券行業(yè)。再者,我國(guó)目前實(shí)行的金融分業(yè)經(jīng)營(yíng)與監(jiān)管,對(duì)保險(xiǎn)消費(fèi)研究的重視有可能會(huì)更那看清銀行、證券、保險(xiǎn)三大金融板塊在經(jīng)濟(jì)增長(zhǎng)拼圖上的作用,掌握其特點(diǎn),更好地促進(jìn)金融協(xié)同作用的發(fā)生。 二、本文在研究角度上,選取的是保險(xiǎn)消費(fèi),而不是整個(gè)保險(xiǎn)行業(yè)。首先,保險(xiǎn)消費(fèi)與居民的日常生活密切相關(guān),保險(xiǎn)消費(fèi)需求的旺盛與否以及消費(fèi)需求結(jié)構(gòu)的變化都會(huì)反映到保險(xiǎn)業(yè)的發(fā)展當(dāng)中去,而人們的保險(xiǎn)消費(fèi)活動(dòng)實(shí)際上就是對(duì)保險(xiǎn)產(chǎn)品與服務(wù)的消費(fèi)上,在實(shí)證分析時(shí),變量的選取將會(huì)變得容易。許多關(guān)于保險(xiǎn)業(yè)與經(jīng)濟(jì)增長(zhǎng)關(guān)系的研究中,通常選取保費(fèi)或保險(xiǎn)深度與經(jīng)濟(jì)變量做實(shí)證分析,用保費(fèi)收入或保險(xiǎn)深度來(lái)代替保險(xiǎn)業(yè)的發(fā)展水平實(shí)際上是不太科學(xué)的,有可能導(dǎo)致結(jié)論的偏差。保險(xiǎn)消費(fèi)直接影響到保險(xiǎn)業(yè)的發(fā)展,從消費(fèi)的角度出發(fā),能夠?qū)⑽覀兊哪抗饩劢沟较M(fèi)者身上,更多的關(guān)注消費(fèi)者的保險(xiǎn)需求,而不是像現(xiàn)在這樣先創(chuàng)造一個(gè)保險(xiǎn)產(chǎn)品出來(lái),再說(shuō)服他們接受。由供給導(dǎo)向需求導(dǎo)向轉(zhuǎn)變,能夠更好的促進(jìn)保險(xiǎn)業(yè)的優(yōu)質(zhì)發(fā)展。 三、本文在研究中考慮了財(cái)產(chǎn)保險(xiǎn)與人身保險(xiǎn)的差異,而不同于以往研究中的不做區(qū)分�？紤]到人身保險(xiǎn)消費(fèi)更多的是通過其儲(chǔ)蓄功能來(lái)促進(jìn)經(jīng)濟(jì)發(fā)展,而財(cái)產(chǎn)保險(xiǎn)消費(fèi)則因其損失補(bǔ)償功能對(duì)經(jīng)濟(jì)產(chǎn)生正向作用。在實(shí)證當(dāng)中,本文將其區(qū)分,并且得出的結(jié)論很好的體現(xiàn)了我國(guó)當(dāng)前保險(xiǎn)消費(fèi)的現(xiàn)狀。在國(guó)內(nèi),像這樣區(qū)分兩者差異的研究還不多。 本文研究的不足： 在本文的研究中,本文選取的數(shù)據(jù)范圍為1986-2011年,數(shù)據(jù)樣本量可能會(huì)影響到實(shí)證回歸的結(jié)果,人身保險(xiǎn)消費(fèi)在近些年來(lái)增幅很大,遠(yuǎn)遠(yuǎn)高于早些年的幅度,這種爆發(fā)式的人身保險(xiǎn)需求的增加,有可能并沒有真實(shí)的反應(yīng)經(jīng)濟(jì)增長(zhǎng),可能會(huì)導(dǎo)致結(jié)果出現(xiàn)一定的偏差。本文在研究過程中,沒有將銀行變量、證券變量納入其中,聯(lián)合考察金融變量對(duì)經(jīng)濟(jì)增長(zhǎng)的影響,這可能會(huì)導(dǎo)致夸大財(cái)產(chǎn)保險(xiǎn)對(duì)經(jīng)濟(jì)增長(zhǎng)的促進(jìn)作用。
[Abstract]:With the deepening of China's economic reform, our country's reliance on economic growth has begun to change, expanding domestic consumption demand and promoting the transfer of economic growth from investment to consumption has become an important appeal. Consumption is the basic content and purpose of economic activities and development, so it occupies a vital position in the economic development and research. In recent years, consumer finance has developed rapidly in China, and all kinds of financial assets and services have been greatly enriched. As a way of financial consumption, insurance consumption has played an increasingly important role in the allocation of household assets in our country. The current insurance industry in China has developed rapidly, and the demand for insurance consumption of the people is obviously increased to the end of 2012. In the whole year, the original premium income of our insurance company reached 15488 billion yuan, which was up 8% compared with the previous year. The insurance density and insurance depth also showed an upward trend. At the same time, China's economy also maintained a good momentum of growth. By the end of 2012, China's gross domestic product has reached 519322 billion yuan, up 7.8% over the previous year, although it has been more than the previous year. It is still at a high level of development, far higher than the other countries or regions in the world. Both the insurance consumption and economic growth are at the best period of rapid development, and the effect of China's insurance consumption on the economy is worth paying attention to.
In a large number of literature on financial and economic growth, people are more concerned about the interaction of banks, securities and economic growth, often ignoring the role of the insurance industry in economic growth. On the one hand, on the one hand, the insurance industry has the same financing as other financial services, the function of optimizing the allocation of resources, and the other, on the other hand. Risk also has the functions of risk protection and social management that other financial industries do not have. Therefore, it is also necessary to study the relationship between the insurance industry and economic growth.
In the study of the relationship between the insurance industry and the economic growth, the domestic scholars mostly take the insurance as a whole variable, but not fully consider the difference in the structure of the insurance consumption, that is, it does not consider the difference between the personal insurance consumption and the property insurance consumption in the economic promotion. In the background of the rapid development of insurance industry but still at the level of primary development, it is necessary to carefully examine the difference between the consumption of property insurance and the consumption of personal insurance. This is mainly manifested in small insurance depth and insurance density, and the development of insurance consumption is extremely uneven among different regions. The other is that the insurance consumption structure of the residents is very unreasonable, that is, the imbalance between the consumption of property insurance and the personal insurance consumption, and the investment insurance and guarantee within the personal insurance. The imbalance of type insurance and the imbalance between life insurance and health accident insurance fully reflect the backwardness of China's insurance consumption.
The research on the effect of insurance consumption on economic growth is of theoretical and practical significance. In theory, there are few literature on the relationship between insurance and economic growth from the angle of consumption. This kind of research will help to promote the integration of the subjects. Insurance consumption is the theoretical value of economic growth. As part of the living consumption of modern residents, insurance consumption shows the similarity of general consumption on the one hand, and on the other hand it is different from the characteristics of general consumption. The research on consumption promoting economic growth has been exported, but the insurance consumption has its unique characteristics, It is not easy to apply the previous conclusions. Insurance consumption plays an important role in the development of the insurance industry. The exuberant consumption of the insurance consumption and the change of the insurance consumption structure will affect the development of the whole insurance industry.
In the literature review part of this paper, it introduces the authoritative literature on the study of the relationship between insurance development and economic growth in detail. Through careful reading of these studies, the article has also made a more comprehensive evaluation, and put forward his own views on some of the deficiencies in the study, and it is also clear and clear. The related research is done, and the future research direction is predicted.
The following part, from the point of view of consumption, this article first redefines the insurance consumption. In this paper, it is considered that insurance is a kind of service-oriented consumer goods, and the insurance consumption is essentially a kind of service type consumption. It is a new consumption process for people to buy or use insurance products or insurance services in order to meet the needs of insurance. The definition not only stipulates that the particularity of insurance consumption is for insurance demand, but also more accurately shows the main body of insurance consumption. This definition is based on the previous research and the summary of its own, and the "insurance consumption" in the previous study is to ensure the safety of life and property to meet the safety needs of the consumer. Compared with the content, this article also makes a detailed comparison between the insurance consumption and the general consumption. It also refers to the relationship between the two. The two influences each other. The common effect constitutes the daily consumption of the residents in our country. The subject, object, substance, and characteristics of the insurance consumption are done. In this paper, the insurance consumption and general consumption are distinguished, and relative to the general consumption, the insurance consumption is characterized by the particularity of the consumption object, the uncertainty of the consumption result, the mutual assistance of the consumption process and the two-way selectivity. Through these analyses, we can have a clearer understanding of the insurance consumption.
In this part of the relationship between insurance consumption and economic growth, first of all, this paper analyses that the increase of economic development and insurance consumption is realized mainly through the following reasons: first, the economic development has new risks, the change and increase of the risk, the change and increase of the consumption demand of the people; two, income or wealth. The increase in the demand for insurance consumption changes. Three is that economic development leads to changes in people's consumption habits, and the prolongation of life will increase the demand for insurance consumption. The following is the analysis of the effect of insurance consumption on economic growth. Here, this paper mainly analyzes it through three functions and four channels. The three function refers to the function of compensation for economic loss, the function of social management, and the function of the insurance consumption to promote the conversion of savings to investment. Many studies do not pay much attention to the social management function of insurance. Here, this paper makes a simple analysis of how the social management function of insurance promotes economic development. The four channel is the consumption of insurance. In this paper, the difference between property insurance consumption and personal insurance consumption on economic growth is also specifically mentioned in the four aspects of consumption channels, financing channels, export channels and technical channels. Through the mechanism of loss compensation to promote economic growth, it can be expected that the two will have different effects on the economy.
In the empirical part, this paper makes a more detailed and comprehensive analysis on the role of insurance consumption to promote economic growth, and fully considers the difference between property insurance consumption and personal insurance consumption on the mechanism of economic growth. In this paper, the experience of insurance consumption and economic growth is divided by setting up a time series of 1986-2011 years data. In the process of analysis, it will reflect the high school rate of high school and the per capita capital of capital stock. The empirical results show that the property insurance consumption has a significant role in promoting the economic growth of our country, while the personal insurance consumption shows a negative effect. It also gives a reasonable reason for the difference from the previous research conclusions. This paper holds that the property insurance has a more significant role in promoting its risk protection function and its direct relationship with the economy. The rapid growth of insurance has a certain bubble, and the other may be that the application of insurance funds is too restrictive in China's supervision, resulting in the narrow use of insurance funds and low utilization efficiency. In addition, at present, China's personal insurance consumption is more keen on investment type products than the guarantee type products, thus forming insurance. The competitive relationship between industry and banks, securities and other industries is not a complementary pattern, so that financial synergy can not be brought into full play, and it may also affect economic growth.
At the end of this article, according to the difference between property insurance and personal insurance, and the empirical results in the previous article, some ideas and suggestions are put forward in the end.
The possible innovations of this paper are as follows:
First, the thesis has a strong reality. Insurance is not a new creature, and there are many studies on the relationship between insurance and economic growth. However, there are few literature on the relationship between insurance and economic growth from the angle of consumption. As a part of it, its role in the economy has not been paid much attention to in the current research. Most of the research is concentrated in the bank and the securities industry. Furthermore, the current financial division management and supervision in China, the attention to the research of the insurance consumption may be more likely to see the three major financial sectors of the bank, securities and insurance. The role of long puzzle plays a better role in promoting the role of financial synergy.
Two, in this paper, we choose the insurance consumption, not the whole insurance industry. First, the insurance consumption is closely related to the daily life of the residents, the exuberant consumption demand and the change of the consumption demand structure will all reflect the development of the insurance industry, and the people's insurance consumption activity is actually the protection of the insurance. In the case of empirical analysis, the selection of variables will become easier in the case of the consumption of insurance products and services. In the study of the relationship between insurance and economic growth, the empirical analysis of premium or insurance depth and economic variables is usually selected. In fact, it is not scientific to use premium income or insurance depth to replace the development level of insurance industry. It may lead to the deviation of the conclusion. The insurance consumption directly affects the development of the insurance industry. From the point of view of consumption, we can focus our attention on the consumer, pay more attention to the consumer's insurance demand, rather than create an insurance product like it now, and take them to accept. Change, can better promote the premium development of the insurance industry.
Three, in this study, the difference between property insurance and personal insurance is considered, but it is different from the previous study. Considering that the personal insurance consumption is more to promote economic development through its savings function, and the property insurance consumption has a positive effect on the economy because of its loss compensation function. The conclusion drawn from the conclusion shows the current situation of insurance consumption in China.
The shortcomings of this paper are as follows:
In this study, the range of data selected in this paper is 1986-2011 years, and the data sample size may affect the results of empirical regression. Personal insurance consumption has increased greatly in recent years, far higher than that in earlier years. This explosion type of personal insurance demand is likely to have no real response to economic growth. There is a certain deviation in the result.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842;F124.1

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