發(fā)布時(shí)間：2018-07-10 11:30

  本文選題：保險(xiǎn)發(fā)展 + 保險(xiǎn)密度�。� 參考：《重慶工商大學(xué)》2017年碩士論文

【摘要】：保險(xiǎn)具有集散風(fēng)險(xiǎn)、補(bǔ)償損失、經(jīng)濟(jì)給付和資金融通等職能,是最重要、最基本、最有效的社會(huì)風(fēng)險(xiǎn)管理技術(shù)和手段。改革開放以來,我國保險(xiǎn)業(yè)保持了年均25%以上的增長速度,遠(yuǎn)遠(yuǎn)高于同期GDP年均15%的增長速度,是國民經(jīng)濟(jì)中發(fā)展最快、最具活力的朝陽產(chǎn)業(yè)之一。然而,在保險(xiǎn)業(yè)務(wù)收入和保險(xiǎn)業(yè)總資產(chǎn)高速發(fā)展的同時(shí),保險(xiǎn)業(yè)發(fā)展區(qū)域不平衡日益顯現(xiàn):東部地區(qū)保險(xiǎn)業(yè)發(fā)展較快,中、西部地區(qū)保險(xiǎn)業(yè)發(fā)展起步晚、與東部地區(qū)的差距也較大。為此,衡量我國保險(xiǎn)業(yè)的地區(qū)差異,以及探究影響不同地區(qū)保險(xiǎn)業(yè)發(fā)展的因素,對促進(jìn)我國保險(xiǎn)業(yè)區(qū)域協(xié)調(diào)、可持續(xù)發(fā)展有著極其重要的意義。本文主要研究各地區(qū)保險(xiǎn)業(yè)發(fā)展的差異及導(dǎo)致這種差異的影響因素,并對比分析各地區(qū)保險(xiǎn)業(yè)發(fā)展的特點(diǎn)和特征�；谇叭宋墨I(xiàn)實(shí)證結(jié)果,本文選取了人均收入水平、教育程度、產(chǎn)業(yè)結(jié)構(gòu)、人口年齡結(jié)構(gòu)和社會(huì)福利水平等五個(gè)對保險(xiǎn)業(yè)發(fā)展有重要影響的指標(biāo),以2011-2015年全國、東部、中部、西部地區(qū)的省級(jí)數(shù)據(jù),用代表保險(xiǎn)業(yè)發(fā)展水平的保險(xiǎn)密度為被解釋變量,分別建立面板模型并對比分析各個(gè)因素對東、中、西部地區(qū)保險(xiǎn)業(yè)發(fā)展影響的大小及異同。實(shí)證結(jié)果顯示,我國保險(xiǎn)業(yè)發(fā)展在東部、中部、西部呈現(xiàn)出巨大的地區(qū)差異,中部地區(qū)與東部地區(qū)保險(xiǎn)業(yè)發(fā)展的差異原因是產(chǎn)業(yè)結(jié)構(gòu)的差距,而西部地區(qū)則是在人口年齡結(jié)構(gòu)和教育程度上落后。社會(huì)福利水平對各個(gè)地區(qū)保險(xiǎn)業(yè)發(fā)展均有明顯促進(jìn)作用;收入水平是促進(jìn)保險(xiǎn)業(yè)發(fā)展最直接的推動(dòng)力,在東部地區(qū)尤為明顯;產(chǎn)業(yè)結(jié)構(gòu)對中部地區(qū)保險(xiǎn)業(yè)發(fā)展的促進(jìn)作用最大;教育程度主要是對人身保險(xiǎn)起影響作用,它對西部地區(qū)影響最為巨大;代表人口結(jié)構(gòu)的人口撫養(yǎng)比對保險(xiǎn)業(yè)發(fā)展有負(fù)向影響,且對財(cái)產(chǎn)保險(xiǎn)的負(fù)向作用大于人身保險(xiǎn)。根據(jù)研究結(jié)論,為促進(jìn)各地區(qū)保險(xiǎn)業(yè)協(xié)調(diào)、可持續(xù)發(fā)展,東部地區(qū)應(yīng)該大力創(chuàng)新保險(xiǎn)產(chǎn)品和服務(wù);中部地區(qū)應(yīng)該調(diào)整和優(yōu)化產(chǎn)業(yè)結(jié)構(gòu);而西部地區(qū)應(yīng)該加強(qiáng)對風(fēng)險(xiǎn)和保險(xiǎn)意識(shí)的宣傳,并給予一定的政策優(yōu)惠。本文的創(chuàng)新點(diǎn)主要有:第一,用保險(xiǎn)密度作為被解釋變量來衡量保險(xiǎn)業(yè)發(fā)展地區(qū)差異,比傳統(tǒng)保費(fèi)收入來衡量保險(xiǎn)發(fā)展水平的地區(qū)差異更加客觀和合理;第二,在以保險(xiǎn)密度為被解釋變量的實(shí)證后,還分別進(jìn)行了人身保險(xiǎn)密度和財(cái)產(chǎn)保險(xiǎn)密度的實(shí)證分析,對比分析同一因素對人身保險(xiǎn)和財(cái)產(chǎn)保險(xiǎn)影響的大小和異同。
[Abstract]:Insurance is the most important, basic and effective social risk management technology and means, which has the functions of collecting and distributing risk, compensating for loss, economic giving and financing. Since the reform and opening up, China's insurance industry has maintained an average annual growth rate of more than 25%, which is far higher than the annual GDP growth rate of 15% in the same period. It is one of the fastest-growing and most dynamic sunrise industries in the national economy. However, with the rapid development of insurance business income and total insurance assets, the regional imbalance of insurance development is becoming increasingly apparent: the insurance industry develops rapidly in the eastern region, while the insurance industry in the western region starts late. The gap with the eastern region is also large. Therefore, it is of great significance to measure the regional differences of the insurance industry in China and to explore the factors that affect the development of the insurance industry in different regions in order to promote regional coordination and sustainable development of the insurance industry in China. This paper mainly studies the differences in the development of the insurance industry in different regions and the influencing factors leading to the differences, and compares and analyzes the characteristics and characteristics of the development of the insurance industry in various regions. Based on the empirical results of previous literatures, this paper selects five indicators which have important influence on the development of insurance industry, such as per capita income level, education level, industrial structure, population age structure and social welfare level. In the provincial data of the western region, using the insurance density representing the level of insurance development as the explanatory variable, the panel model is established and the influence of each factor on the development of the insurance industry in the east, the middle and the west is compared and analyzed. The empirical results show that there are great regional differences in the development of insurance industry in the east, the middle and the west of China, and the difference between the central region and the eastern region is due to the disparity of the industrial structure. The western region is backward in the age structure and educational level of the population. The level of social welfare is the most direct driving force to promote the development of insurance industry, especially in the eastern region, and the industrial structure plays the most important role in promoting the development of insurance industry in the central region. The education level mainly affects the life insurance, which has the greatest influence on the western region; the population dependency ratio, which represents the population structure, has a negative effect on the development of the insurance industry, and the negative effect on the property insurance is greater than that on the personal insurance. According to the conclusion of the study, in order to promote the coordination and sustainable development of the insurance industry in various regions, the eastern region should make great efforts to innovate insurance products and services, and the central region should adjust and optimize the industrial structure. The western region should strengthen the awareness of risk and insurance, and give some preferential policies. The innovations of this paper are as follows: first, the insurance density is used as the explanatory variable to measure the regional differences of insurance development, which is more objective and reasonable than the traditional premium income to measure the level of insurance development. After taking the insurance density as the explanatory variable, the author also makes the empirical analysis of the personal insurance density and the property insurance density respectively, and compares and analyzes the magnitude and difference of the same factor to the personal insurance and property insurance.
【學(xué)位授予單位】：重慶工商大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 戴天鳳;;我國社會(huì)保險(xiǎn)省際間差距實(shí)證研究[J];現(xiàn)代商貿(mào)工業(yè);2016年30期

2 韓祝華;李峰;;基于數(shù)量經(jīng)濟(jì)理論的保險(xiǎn)對區(qū)域經(jīng)濟(jì)增長的作用研究[J];山西農(nóng)經(jīng);2016年06期

3 張繼哲;;關(guān)于我國養(yǎng)老保險(xiǎn)發(fā)展的實(shí)證分析[J];西安電子科技大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2016年02期

4 李春燕;;我國區(qū)域壽險(xiǎn)發(fā)展水平差異分析[J];統(tǒng)計(jì)與決策;2016年02期

5 王麗珍;;保險(xiǎn)波動(dòng)、宏觀經(jīng)濟(jì)波動(dòng)與區(qū)域差異——基于聯(lián)立方程模型的研究[J];宏觀經(jīng)濟(jì)研究;2015年09期

6 杜朝運(yùn);李濱;;基于省際數(shù)據(jù)的我國普惠金融發(fā)展測度[J];區(qū)域金融研究;2015年03期

7 蔣才芳;陳收;;我國人壽保險(xiǎn)業(yè)市場空間分布研究[J];經(jīng)濟(jì)地理;2014年12期

8 許閑;;區(qū)域經(jīng)濟(jì)發(fā)展水平對我國保險(xiǎn)業(yè)促進(jìn)作用——基于省際面板數(shù)據(jù)[J];上海保險(xiǎn);2014年12期

9 范紅麗;陳璐;;經(jīng)濟(jì)增長對保險(xiǎn)業(yè)影響的區(qū)域差異研究——基于省際面板數(shù)據(jù)的實(shí)證分析[J];保險(xiǎn)職業(yè)學(xué)院學(xué)報(bào);2014年06期

10 田乾;金懷玉;胡宏兵;;基于八大經(jīng)濟(jì)區(qū)域的保險(xiǎn)業(yè)區(qū)域發(fā)展差異分析[J];西華大學(xué)學(xué)報(bào)(哲學(xué)社會(huì)科學(xué)版);2014年04期

相關(guān)碩士學(xué)位論文 前3條

1 趙大明;區(qū)域市場國有保險(xiǎn)公司發(fā)展戰(zhàn)略研究[D];對外經(jīng)濟(jì)貿(mào)易大學(xué);2015年

2 曲聲樂;中國保險(xiǎn)業(yè)發(fā)展的區(qū)域差異及影響因素分析[D];吉林大學(xué);2014年

3 余曉芳;我國保險(xiǎn)發(fā)展與經(jīng)濟(jì)增長關(guān)系的區(qū)域差異[D];西南財(cái)經(jīng)大學(xué);2010年

，

本文編號(hào)：2113252