本文選題：保險業(yè) + 產(chǎn)業(yè)關(guān)聯(lián)��； 參考：《吉林大學(xué)》2013年碩士論文

【摘要】：改革開放以來，隨著國民經(jīng)濟的飛速發(fā)展，保險業(yè)在經(jīng)濟中扮演者越來越重要的角色，在經(jīng)濟補償、防災(zāi)防損方面中起著至關(guān)重要的作用，扮演著經(jīng)濟“助推器”和“穩(wěn)定器”的角色。隨著國民經(jīng)濟的持續(xù)穩(wěn)定發(fā)展以及新的社會保障體系逐漸形成，社會對于保險的內(nèi)在需求日益擴大，保險業(yè)呈現(xiàn)出飛速發(fā)展的勢頭，保險市場規(guī)模持續(xù)增長，保險市場逐步向多元化方向發(fā)展。2011年末，政府出臺了《中國保險業(yè)發(fā)展“十二五”規(guī)劃綱要》，明確了我國未來保險業(yè)的發(fā)展方向、重點任務(wù)和政策措施，為保險業(yè)的科學(xué)發(fā)展提供了有力的保障，，也為吉林省未來的保險業(yè)發(fā)展指明了方向。因此，對吉林省保險業(yè)發(fā)展及產(chǎn)業(yè)關(guān)聯(lián)影響的實證分析，對于促進吉林省保險業(yè)跨越式發(fā)展，更好地實現(xiàn)其對于整體經(jīng)濟的保障作用，從而促進國民經(jīng)濟又好又快地發(fā)展有著深遠的意義。 本論文采用理論分析和實證分析相結(jié)合的方法。首先介紹了保險業(yè)的相關(guān)概念，闡述了國內(nèi)外保險業(yè)發(fā)展?fàn)罡艣r。然后利用保費收入及其增長率、保險密度、保險深度等分析指標(biāo)，剖析吉林省保險業(yè)發(fā)展規(guī)模和速度，吉林省保險實力有所增強，但發(fā)展速度有所放緩，保險規(guī)模與國內(nèi)其他省市相比還有較大差距。然后通過HHI指數(shù)、吉林省各保險公司市場份額等指標(biāo)對吉林市場集中度分析和產(chǎn)品差異化分析，探究保險業(yè)內(nèi)部結(jié)構(gòu)狀況，結(jié)果表明盡管吉林省保險市場壟斷程度依然較高，產(chǎn)品差異化程度較弱，但在未來發(fā)展中，隨著市場的逐步打開，保險市場有競爭趨勢逐漸加強、產(chǎn)品差異化逐步增大的趨勢。本文依據(jù)投入產(chǎn)出分析模型，通過計算吉林省保險業(yè)消耗系數(shù)、分配系數(shù)、中間投入率及中間需求率、影響力系數(shù)、感應(yīng)度系數(shù)、生產(chǎn)誘發(fā)系數(shù)并與全國保險業(yè)的發(fā)展?fàn)顩r進行對比，結(jié)果表明，工業(yè)和其他服務(wù)業(yè)對吉林省保險業(yè)的拉動作用較大，工業(yè)和其他服務(wù)業(yè)的發(fā)展對保險業(yè)的影響較大，保險業(yè)的產(chǎn)業(yè)附加值有所加大，其消費品性質(zhì)有所增強，吉林省保險業(yè)對于其他產(chǎn)業(yè)部門的拉動作用較小，同時對于國民經(jīng)濟發(fā)展的感應(yīng)度也較弱，最終消費是拉動保險業(yè)發(fā)展的主要動力。最后，利用計量分析方法，選取吉林省保險業(yè)的保費收入、第一產(chǎn)業(yè)增加值、第二產(chǎn)業(yè)增加值、第三產(chǎn)業(yè)增加值作為分析指標(biāo)，探究吉林省第一產(chǎn)業(yè)、第二產(chǎn)業(yè)、第三產(chǎn)業(yè)發(fā)展對于吉林省保險業(yè)發(fā)展的推動作用，結(jié)果表明第二產(chǎn)業(yè)對保險業(yè)發(fā)展的推動作用最強，但吉林省整體經(jīng)濟增長對保險業(yè)發(fā)展的推動作用并不明顯。造成這些結(jié)果主要是因為吉林省經(jīng)濟總體發(fā)展水平偏低、保險業(yè)發(fā)展基礎(chǔ)薄弱、保險業(yè)基礎(chǔ)設(shè)施不完善、保險業(yè)結(jié)構(gòu)不合理、政府政策失靈等原因。針對吉林省保險業(yè)發(fā)展過程中存在的這些問題，文章在最后給出了調(diào)整保險業(yè)產(chǎn)業(yè)結(jié)構(gòu)、完善保險業(yè)監(jiān)管環(huán)境、提高吉林省保險業(yè)企業(yè)及從業(yè)人員自身綜合素質(zhì)、優(yōu)化保險業(yè)競爭化發(fā)展環(huán)境等方面的政策建議。
[Abstract]:Since the reform and opening up, with the rapid development of the national economy, the insurance industry plays a more and more important role in the economy. It plays a vital role in economic compensation and disaster prevention and prevention. It plays the role of the economic "booster" and "stabilizer". With the sustained and stable development of the national economy and the new social security body With the gradual expansion of the internal demand for insurance and the rapid development of the insurance industry, the insurance market has been developing rapidly, the insurance market continues to grow, the insurance market is gradually developing towards the end of the.2011 year, and the government has promulgated the "12th Five-Year" plan for the development of China's insurance industry, which has clearly defined the direction of the future insurance industry in China. The key tasks and policy measures provide a strong guarantee for the scientific development of the insurance industry and the direction for the future development of the insurance industry in Jilin province. Therefore, the empirical analysis of the development of insurance industry and the impact of the industrial association in Jilin province will promote the leap forward development of the insurance industry in Jilin province and better realize its guarantee for the overall economy. It is of far-reaching significance to promote the development of the national economy in a sound and rapid way.
This paper adopts the method of combining theoretical analysis with empirical analysis. Firstly, it introduces the related concepts of insurance industry, expounds the development of insurance industry at home and abroad, and then analyzes the scale and speed of insurance development in Jilin province by using premium income and its growth rate, insurance density, insurance depth and so on, and the insurance strength in Jilin province. However, the speed of development has slowed down, and the scale of insurance has a large gap compared with other provinces and cities in China. Then through the HHI index, the market share of insurance companies in Jilin province and other indicators of Jilin market concentration analysis and product differentiation analysis to explore the internal structure of the insurance industry, the result shows that despite the monopoly of the insurance market in Jilin Province, the result shows that the insurance market is monopolized by the insurance market. The degree of the product differentiation is still relatively high, but in the future development, with the gradual opening of the market, the competitive trend of the insurance market is gradually strengthened and the product differentiation is gradually increasing. In this paper, the consumption coefficient, distribution coefficient, intermediate input rate and intermediate demand rate of the insurance industry in Jilin are calculated on the basis of the input-output analysis model. The influence coefficient, the coefficient of induction, the production induced coefficient and the development of the national insurance industry are compared. The results show that industry and other services have a greater impact on the insurance industry in Jilin Province, and the development of industry and other services has a greater impact on the insurance industry, and the added value of the insurance industry has increased, and the nature of its consumer goods. To some extent, the insurance industry of Jilin province has a small pull on other industrial sectors, and the sensitivity to the development of the national economy is weak, and the final consumption is the main driving force for the development of the insurance industry. Finally, using the method of measurement and analysis, the insurance premium income of the insurance industry in Jilin Province, the value of the first industry and the second industry value added are selected. The third industry added value is used as the analysis index to explore the role of the first industry, the second industry and the third industry in Jilin province to promote the development of insurance industry in Jilin province. The results show that the second industry has the strongest impetus to the development of the insurance industry, but the overall economic growth of Jilin province is not obvious to the development of the insurance industry. The result is mainly because of the low overall development level of Jilin Province, the weak foundation of the insurance industry, the imperfect infrastructure of the insurance industry, the unreasonable structure of the insurance industry, the failure of the government policy and so on. In the end, the article gives the adjustment of the insurance industry structure and the improvement of insurance in the end of the development of the insurance industry in Jilin province. The industry regulatory environment, improve the overall quality of Jilin insurance enterprises and practitioners, and optimize the competitive development environment of the insurance industry.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.7

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