【摘要】：保險(xiǎn)是隨著整個(gè)社會(huì)經(jīng)濟(jì)的發(fā)展而產(chǎn)生的。保險(xiǎn)的作用很多，首先能及時(shí)補(bǔ)償災(zāi)害事故損失。在社會(huì)經(jīng)濟(jì)發(fā)展過(guò)程中，，自然災(zāi)害、意外事故造成的經(jīng)濟(jì)損失是經(jīng)常發(fā)生的，它會(huì)造成生產(chǎn)的停滯或中斷，甚至使企業(yè)破產(chǎn)倒閉。有了保險(xiǎn)，企業(yè)一旦遇到風(fēng)險(xiǎn)損失就可以及時(shí)得到經(jīng)濟(jì)補(bǔ)償，最大限度地減輕災(zāi)害事故損失的消極影響，保障企業(yè)生產(chǎn)計(jì)劃的完成和職工福利；其次，有利于國(guó)民經(jīng)濟(jì)的持續(xù)穩(wěn)定發(fā)展。在國(guó)民經(jīng)濟(jì)的發(fā)展過(guò)程中，很多時(shí)候會(huì)發(fā)生一些由不可抗力造成的自然災(zāi)害和意外事故，這就會(huì)使企業(yè)的生產(chǎn)經(jīng)營(yíng)活動(dòng)中斷，進(jìn)而影響國(guó)民經(jīng)濟(jì)的整體運(yùn)行。最后，能促進(jìn)技術(shù)進(jìn)步。在社會(huì)生產(chǎn)中采用新技術(shù)和新工藝，是提高社會(huì)勞動(dòng)生產(chǎn)率和促進(jìn)經(jīng)濟(jì)發(fā)展的重要因素。但新技術(shù)、新工藝的應(yīng)用都要付出代價(jià)，花費(fèi)較高成本，而這種費(fèi)用往往都伴隨著新的風(fēng)險(xiǎn)。通過(guò)保險(xiǎn)可以大大鼓勵(lì)企業(yè)家用于創(chuàng)新，為開(kāi)辟新的生產(chǎn)領(lǐng)域大膽應(yīng)用新技術(shù)、新工藝，因此，保險(xiǎn)為新技術(shù)、新工藝的推廣和應(yīng)用撐腰壯膽，最終將促進(jìn)技術(shù)的進(jìn)步。 文章先對(duì)使用計(jì)量經(jīng)濟(jì)學(xué)的方法對(duì)湘西民族地區(qū)財(cái)產(chǎn)保險(xiǎn)賠款對(duì)財(cái)產(chǎn)保險(xiǎn)保險(xiǎn)費(fèi)收入的滯后分析，發(fā)現(xiàn)滯后到第一年時(shí)最為顯著。同時(shí)選取產(chǎn)險(xiǎn)收入作為產(chǎn)險(xiǎn)需求的衡量指標(biāo)，新增民用汽車(chē)擁有量、社會(huì)固定資產(chǎn)投資總額、民事訴訟受理件數(shù)、出口貿(mào)易總值作為分別反映拉動(dòng)車(chē)險(xiǎn)、工程險(xiǎn)、企業(yè)財(cái)產(chǎn)險(xiǎn)、責(zé)任險(xiǎn)、信用險(xiǎn)等五個(gè)產(chǎn)險(xiǎn)主要子險(xiǎn)種需求的直接內(nèi)因，并運(yùn)用回歸分析研究湘西民族地區(qū)財(cái)產(chǎn)保險(xiǎn)市場(chǎng)的發(fā)展特點(diǎn)，通過(guò)研究發(fā)現(xiàn)，湘西民族地區(qū)財(cái)產(chǎn)保險(xiǎn)收入逐年增加，其市場(chǎng)潛力巨大；湘西民族地區(qū)財(cái)產(chǎn)保險(xiǎn)的賠款支出對(duì)財(cái)產(chǎn)保險(xiǎn)收入有較強(qiáng)的示范效應(yīng)。然后從市場(chǎng)集中度、產(chǎn)品差異化程度以及市場(chǎng)進(jìn)入和退出壁壘來(lái)分析湘西民族地區(qū)的財(cái)產(chǎn)保險(xiǎn)市場(chǎng)的市場(chǎng)結(jié)構(gòu)，進(jìn)而提出優(yōu)化湘西民族地區(qū)（湘西自治州）保險(xiǎn)市場(chǎng)結(jié)構(gòu)的具體措施。再次主要從承保利潤(rùn)、保費(fèi)利潤(rùn)率、費(fèi)用率、賠付率、資產(chǎn)利潤(rùn)率以及保費(fèi)利潤(rùn)率等財(cái)務(wù)指標(biāo)實(shí)證研究湘西民族地區(qū)的市場(chǎng)績(jī)效。通過(guò)研究發(fā)現(xiàn)：湘西民族地區(qū)財(cái)產(chǎn)保險(xiǎn)業(yè)整體獲利能力一般，并逐漸呈下降趨勢(shì)。最后利用實(shí)證分析方法來(lái)分析湘西民族地區(qū)保險(xiǎn)公司經(jīng)濟(jì)績(jī)效。對(duì)湘西民族地區(qū)財(cái)產(chǎn)保險(xiǎn)市場(chǎng)結(jié)構(gòu)、行為、績(jī)效提升有著重要的借鑒意義。
[Abstract]:Insurance comes into being with the development of the whole society and economy. The function of insurance is many, can compensate disaster accident loss in time first. In the process of social and economic development, the economic losses caused by natural disasters and accidents often occur, which will lead to the stagnation or interruption of production and even the bankruptcy of enterprises. With insurance, once enterprises encounter risk losses, they can get economic compensation in time, minimize the negative impact of disaster and accident losses, and ensure the completion of production plans and employee welfare. Secondly, it is conducive to the sustained and stable development of the national economy. In the course of the development of the national economy, some natural disasters and accidents caused by force majeure will occur, which will interrupt the production and management activities of enterprises, and then affect the overall operation of the national economy. Finally, it can promote technological progress. The adoption of new technology and technology in social production is an important factor to improve social labor productivity and promote economic development. But the new technology and the application of the new process all have to pay the price, the cost is higher, and this kind of expense often carries the new risk. Through insurance, entrepreneurs can be greatly encouraged to use innovation, and new technologies and processes can be applied boldly in order to open up new fields of production. Therefore, insurance will support the promotion and application of new technologies and processes, and ultimately promote the progress of technology. The paper first analyzes the lag of property insurance indemnity to property insurance income by econometrics method, and finds that the lag to the first year is the most significant. At the same time, we select the income from property insurance as the measure of the demand for property insurance, increase the ownership of civil vehicles, the total investment in fixed assets of the society, the number of cases accepted in civil proceedings, and the total value of export trade as a reflection of pulling auto insurance, engineering insurance, property insurance of enterprises, respectively. The direct internal causes of the demand for five major sub-types of property insurance, such as liability insurance and credit insurance, and the use of regression analysis to study the development characteristics of property insurance market in western Hunan ethnic areas. Through the study, it is found that the income of property insurance in Xiangxi ethnic areas increases year by year. Its market potential is huge; The indemnity expenditure of property insurance in western Hunan nationality area has strong demonstration effect on property insurance income. Then it analyzes the market structure of property insurance market in Xiangxi ethnic areas from the market concentration degree, product differentiation degree and market entry and exit barriers. And then put forward the specific measures to optimize the structure of insurance market in Xiangxi ethnic region (Xiangxi Autonomous Prefecture). Thirdly, the paper empirically studies the market performance of Xiangxi ethnic minority area from the financial indicators such as underwriting profit, premium profit rate, expense rate, loss rate, asset profit rate and premium profit rate and so on. It is found that the overall profitability of property insurance industry in western Hunan nationality area is general and gradually declining. Finally, the paper analyzes the economic performance of insurance companies in western Hunan ethnic areas by using empirical analysis method. It is of great significance to improve the structure, behavior and performance of property insurance market in western Hunan.
【學(xué)位授予單位】：吉首大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F842.65

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