保險(xiǎn)與經(jīng)濟(jì)增長(zhǎng)的關(guān)系研究
發(fā)布時(shí)間：2018-08-12 11:34
【摘要】：本文以保險(xiǎn)的風(fēng)險(xiǎn)管理功能為切入點(diǎn),分別探討了人身保險(xiǎn)和財(cái)產(chǎn)保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系,特別是人身保險(xiǎn)和財(cái)產(chǎn)保險(xiǎn)對(duì)經(jīng)濟(jì)的促進(jìn)作用。基于該研究目的,本文內(nèi)容主要包括兩個(gè)方面,即人身保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系研究和財(cái)產(chǎn)保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系研究。 人身保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系研究,首先在各種情況下詳細(xì)討論了個(gè)體對(duì)人身保險(xiǎn)的需求,求解了效用最大化原則下保險(xiǎn)支出在家庭總支出中的最優(yōu)比例,并討論了有無人身風(fēng)險(xiǎn)、有無人身保險(xiǎn)時(shí)家庭的儲(chǔ)蓄率水平；其次,基于微觀層面的研究,建立了含有人身保險(xiǎn)的宏觀經(jīng)濟(jì)增長(zhǎng)模型,模擬了含有人身保險(xiǎn)的經(jīng)濟(jì)增長(zhǎng)路徑和穩(wěn)態(tài)水平；再次,通過引入摩擦市場(chǎng)和差異化個(gè)體,從資金供給角度建立了金融結(jié)構(gòu)的形成模型,并探討了金融結(jié)構(gòu)與經(jīng)濟(jì)增長(zhǎng)之間的關(guān)系。 財(cái)產(chǎn)保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系研究,首先假設(shè)資本存量面臨財(cái)產(chǎn)損失風(fēng)險(xiǎn),建立了內(nèi)含風(fēng)險(xiǎn)的經(jīng)濟(jì)增長(zhǎng)模型；其次引入財(cái)產(chǎn)損失保險(xiǎn)管理該風(fēng)險(xiǎn),建立內(nèi)含風(fēng)險(xiǎn)和保險(xiǎn)的經(jīng)濟(jì)增長(zhǎng)模型；再次,通過比較無風(fēng)險(xiǎn)模型、風(fēng)險(xiǎn)模型、風(fēng)險(xiǎn)和保險(xiǎn)模型,詳細(xì)探討了風(fēng)險(xiǎn)和保險(xiǎn)對(duì)經(jīng)濟(jì)的影響。按照類似的步驟,本文假設(shè)產(chǎn)出面臨收益損失風(fēng)險(xiǎn),討論了收益損失保險(xiǎn)與產(chǎn)出的關(guān)系,并將相應(yīng)結(jié)論應(yīng)用于農(nóng)業(yè)保險(xiǎn)的分析中。 通過以上研究,我們得到以下兩個(gè)方面的結(jié)論： 人身保險(xiǎn)方面。本文指出,人身保險(xiǎn)支出在家庭支出結(jié)構(gòu)中占據(jù)重要地位,本文所建立的模型能夠很好模擬家庭支出結(jié)構(gòu),特別是家庭的人身保險(xiǎn)需求；此外,人身保險(xiǎn)的引入會(huì)增加家庭儲(chǔ)蓄率,從而有利于經(jīng)濟(jì)發(fā)展。本文建立的含有人身保險(xiǎn)的宏觀經(jīng)濟(jì)增長(zhǎng)模型表明,人身保險(xiǎn)在經(jīng)濟(jì)增長(zhǎng)中具有重要作用,模型也具有良好的收斂性質(zhì)。含有摩擦和差異化個(gè)體的模型表明,各類資本市場(chǎng)發(fā)展水平?jīng)Q定經(jīng)濟(jì)中的金融結(jié)構(gòu),并影響經(jīng)濟(jì)發(fā)展。 財(cái)產(chǎn)保險(xiǎn)方面。財(cái)產(chǎn)損失保險(xiǎn)的研究指出,財(cái)產(chǎn)損失風(fēng)險(xiǎn)的引入會(huì)降低穩(wěn)態(tài)下經(jīng)濟(jì)中資本存量水平,進(jìn)而降低產(chǎn)出水平；財(cái)產(chǎn)損失保險(xiǎn)的引入可以減輕風(fēng)險(xiǎn)產(chǎn)生的不利影響；此外,研究表明,經(jīng)濟(jì)中存在一個(gè)潛在的最優(yōu)保險(xiǎn)需求水平。收益損失保險(xiǎn)的研究得到了類似的結(jié)論,即收益損失風(fēng)險(xiǎn)降低穩(wěn)態(tài)資本存量和穩(wěn)態(tài)產(chǎn)出,收益損失保險(xiǎn)的引入減輕風(fēng)險(xiǎn)的不利影響。該結(jié)論可對(duì)農(nóng)業(yè)保險(xiǎn)直接成立。 具體來說,本文各章節(jié)內(nèi)容如下： 第一章引言全面介紹本文研究問題、研究背景、研究方法和貢獻(xiàn),指出保險(xiǎn)對(duì)宏觀經(jīng)濟(jì)有非常重要的作用,但是保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系研究尚未完全揭示兩者之間的關(guān)系,也尚未明確保險(xiǎn)對(duì)宏觀經(jīng)濟(jì)的促進(jìn)作用路徑。本文運(yùn)用標(biāo)準(zhǔn)經(jīng)濟(jì)學(xué)方法研究保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系,特別關(guān)注保險(xiǎn)對(duì)宏觀經(jīng)濟(jì)的促進(jìn)作用。 第二章到第五章為人身保險(xiǎn)與宏觀經(jīng)濟(jì)研究部分。第二章建立含有人身風(fēng)險(xiǎn)的交疊世代模型,同時(shí)考慮收入代際轉(zhuǎn)移因素,考察個(gè)體對(duì)年金保險(xiǎn)和人壽保險(xiǎn)的需求。本章假設(shè)個(gè)體沒有遺產(chǎn)動(dòng)機(jī),其購(gòu)買人壽保險(xiǎn)的主要目的是管理人力資本投資面臨的風(fēng)險(xiǎn)。本章研究表明,人身保險(xiǎn)在家庭支出中占據(jù)重要地位,并且所建立的模型能夠較好模擬家庭的保險(xiǎn)需求水平。此外,通過對(duì)比有、無保險(xiǎn)時(shí)家庭的儲(chǔ)蓄行為,本章指出,保險(xiǎn)產(chǎn)品會(huì)提高家庭的儲(chǔ)蓄率水平。 第三章改進(jìn)第二章的模型,假設(shè)個(gè)體有遺產(chǎn)動(dòng)機(jī),個(gè)體購(gòu)買人壽保險(xiǎn)的主要目的是為了給子輩留下遺產(chǎn)。本章研究表明,本章模型完善了第二章的研究結(jié)果,進(jìn)一步解釋了個(gè)體的人壽保險(xiǎn)需求；同時(shí),通過對(duì)比有無保險(xiǎn)時(shí)家庭的儲(chǔ)蓄行為,本章也得到了類似結(jié)論,即保險(xiǎn)產(chǎn)品會(huì)提高家庭的儲(chǔ)蓄率水平。另外一個(gè)有意思的結(jié)論是,購(gòu)買人壽保險(xiǎn)是個(gè)體留下遺產(chǎn)的主要途徑。 基于第二章和第三章微觀層面的研究,第四章從宏觀層面建立人身保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系。研究表明,年金是形成資本存量的重要方式之一,對(duì)宏觀經(jīng)濟(jì)有十分重要的作用。本章模型說明了含有人身保險(xiǎn)的宏觀經(jīng)濟(jì)的運(yùn)行方式,經(jīng)濟(jì)增長(zhǎng)路徑以及穩(wěn)態(tài)水平。 第五章在第四章的基礎(chǔ)上假設(shè)摩擦性市場(chǎng)和差異化個(gè)體,從個(gè)體儲(chǔ)蓄行為(即資金供給)出發(fā)建立金融結(jié)構(gòu)的形成機(jī)制,討論金融結(jié)構(gòu)與宏觀經(jīng)濟(jì)的關(guān)系,特別關(guān)注年金市場(chǎng)發(fā)展對(duì)宏觀經(jīng)濟(jì)的促進(jìn)作用。研究表明,資本市場(chǎng)的摩擦成本是影響金融結(jié)構(gòu)的重要因素,降低摩擦成本有利于經(jīng)濟(jì)發(fā)展。 第六章和第七章為財(cái)產(chǎn)保險(xiǎn)與宏觀經(jīng)濟(jì)研究部分。第六章討論財(cái)產(chǎn)損失保險(xiǎn)與宏觀經(jīng)濟(jì)的關(guān)系,假設(shè)資本存量面臨財(cái)產(chǎn)損失風(fēng)險(xiǎn),并引入財(cái)產(chǎn)損失保險(xiǎn)管理該風(fēng)險(xiǎn)。研究指出,財(cái)產(chǎn)損失風(fēng)險(xiǎn)的引入會(huì)降低穩(wěn)態(tài)下經(jīng)濟(jì)中資本存量水平,進(jìn)而降低產(chǎn)出水平；財(cái)產(chǎn)損失保險(xiǎn)的引入可能減輕風(fēng)險(xiǎn)產(chǎn)生的不利影響。 第七章繼續(xù)第六章的研究,假設(shè)產(chǎn)出面臨收益損失風(fēng)險(xiǎn),并引入收益損失保險(xiǎn)管理該風(fēng)險(xiǎn),借此討論收益損失保險(xiǎn)與產(chǎn)出之間的關(guān)系。研究表明,收益損失風(fēng)險(xiǎn)降低穩(wěn)態(tài)資本存量和穩(wěn)態(tài)產(chǎn)出,收益損失保險(xiǎn)的引入減輕風(fēng)險(xiǎn)的不利影響。農(nóng)業(yè)保險(xiǎn)是一種典型的收益損失保險(xiǎn),因此本章簡(jiǎn)要介紹了本章模型應(yīng)用于農(nóng)業(yè)保險(xiǎn)的分析中所得到的結(jié)論。 本文的最后是總結(jié)性的結(jié)論和未來研究方向。在經(jīng)濟(jì)模型中引入風(fēng)險(xiǎn)繼而引入保險(xiǎn)有利于從功能上研究保險(xiǎn)在經(jīng)濟(jì)中的作用。該思路主導(dǎo)了本文全文,也可以成為未來關(guān)于保險(xiǎn)與經(jīng)濟(jì)關(guān)系研究的思路。按照此方法,可以進(jìn)一步研究一些其他重要保險(xiǎn)產(chǎn)品與經(jīng)濟(jì)的關(guān)系。
[Abstract]:Based on the risk management function of insurance, this paper discusses the relationship between life insurance and property insurance and macro-economy, especially the promotion of life insurance and property insurance to economy. Research on macroeconomic relations.
The relationship between life insurance and macro-economy is studied. Firstly, the individual's demand for life insurance is discussed in detail under various circumstances, and the optimal proportion of insurance expenditure in total family expenditure under the principle of utility maximization is solved. Thirdly, by introducing frictional markets and differentiated individuals, the paper establishes the formation model of financial structure from the perspective of capital supply, and discusses the relationship between financial structure and economic growth.
The relationship between property insurance and macro-economy is studied. Firstly, assuming that capital stock faces property loss risk, the economic growth model with inherent risk is established; secondly, property loss insurance is introduced to manage the risk and establish the economic growth model with inherent risk and insurance; thirdly, by comparing risk-free models, risk models, risks and insurance According to the similar steps, this paper assumes that the output faces the risk of loss of income, discusses the relationship between loss of income insurance and output, and applies the corresponding conclusions to the analysis of agricultural insurance.
Through the above research, we get the following two conclusions:
This paper points out that life insurance expenditure plays an important role in the family expenditure structure. The model established in this paper can well simulate the family expenditure structure, especially the family life insurance demand. In addition, the introduction of life insurance will increase the household savings rate, which is conducive to economic development. The macroeconomic growth model of life insurance shows that life insurance plays an important role in economic growth, and the model has a good convergence property. The model with friction and differentiation shows that the development level of various capital markets determines the financial structure of the economy and affects economic development.
In the aspect of property insurance, the introduction of property loss insurance points out that the introduction of property loss risk will reduce the level of capital stock in the steady-state economy, thereby reducing the level of output; the introduction of property loss insurance can mitigate the adverse effects of risk; in addition, the study shows that there is a potential optimal level of insurance demand in the economy. A similar conclusion has been drawn in the study of income-loss insurance, that is, income-loss risk reduces steady-state capital stock and steady-state output, and the introduction of income-loss insurance mitigates the adverse effects of risk.
Specifically, the chapters of this article are as follows:
The first chapter introduces the research questions, research background, research methods and contributions of this paper. It points out that insurance plays a very important role in macro-economy, but the research on the relationship between insurance and macro-economy has not fully revealed the relationship between them, nor has it clarified the path of promoting macro-economy by insurance. Methods To study the relationship between insurance and macro-economy, paying special attention to the promotion of insurance on macro-economy.
Chapters 2 to 5 are about personal insurance and macroeconomic research. Chapter 2 establishes an overlapping generation model with personal risk and considers the intergenerational transfer of income to examine the individual's demand for annuity insurance and life insurance. This chapter shows that life insurance plays an important role in family expenditure, and the model can better simulate the level of household insurance demand.
Chapter 3 improves the model of Chapter 2, assuming that individuals have inheritance motives, and the main purpose of buying life insurance is to leave a legacy for their children. As a result, this chapter also draws a similar conclusion that insurance products will raise household savings rates. Another interesting conclusion is that buying life insurance is the main way for individuals to leave their legacies.
Based on the micro-level research of Chapter 2 and Chapter 3, Chapter 4 establishes the relationship between life insurance and macro-economy from macro-level. The research shows that annuity is one of the important ways to form capital stock and plays an important role in macro-economy. Long path and steady state level.
Chapter Five, based on Chapter Four, assumes the frictional market and differentiated individuals, establishes the formation mechanism of financial structure from the perspective of individual savings behavior (i.e. capital supply), discusses the relationship between financial structure and macro-economy, and pays special attention to the promotion of annuity market to macro-economy. Reducing the cost of friction is an important factor affecting the financial structure and is conducive to economic development.
Chapter 6 and Chapter 7 are about the relationship between property insurance and macro-economy. Chapter 6 discusses the relationship between property insurance and macro-economy. It assumes that capital stock faces the risk of property loss and introduces property loss insurance to manage the risk. The introduction of property loss insurance may mitigate the adverse effects of risk.
Chapter 7 continues the research in Chapter 6, assuming that the output is facing the risk of loss of income, and introducing loss of income insurance to manage the risk, thus discussing the relationship between loss of income insurance and output. Industrial insurance is a typical loss of income insurance, so this chapter briefly introduces the conclusions of this chapter model applied to the analysis of agricultural insurance.
The conclusion of this paper is a summary of the conclusions and future research directions. The introduction of risk into the economic model and then insurance is conducive to a functional study of the role of insurance in the economy. The relationship between other important insurance products and the economy.
【學(xué)位授予單位】：南開大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F124;F842.6;F224
本文編號(hào)：2178929
[Abstract]:Based on the risk management function of insurance, this paper discusses the relationship between life insurance and property insurance and macro-economy, especially the promotion of life insurance and property insurance to economy. Research on macroeconomic relations.
The relationship between life insurance and macro-economy is studied. Firstly, the individual's demand for life insurance is discussed in detail under various circumstances, and the optimal proportion of insurance expenditure in total family expenditure under the principle of utility maximization is solved. Thirdly, by introducing frictional markets and differentiated individuals, the paper establishes the formation model of financial structure from the perspective of capital supply, and discusses the relationship between financial structure and economic growth.
The relationship between property insurance and macro-economy is studied. Firstly, assuming that capital stock faces property loss risk, the economic growth model with inherent risk is established; secondly, property loss insurance is introduced to manage the risk and establish the economic growth model with inherent risk and insurance; thirdly, by comparing risk-free models, risk models, risks and insurance According to the similar steps, this paper assumes that the output faces the risk of loss of income, discusses the relationship between loss of income insurance and output, and applies the corresponding conclusions to the analysis of agricultural insurance.
Through the above research, we get the following two conclusions:
This paper points out that life insurance expenditure plays an important role in the family expenditure structure. The model established in this paper can well simulate the family expenditure structure, especially the family life insurance demand. In addition, the introduction of life insurance will increase the household savings rate, which is conducive to economic development. The macroeconomic growth model of life insurance shows that life insurance plays an important role in economic growth, and the model has a good convergence property. The model with friction and differentiation shows that the development level of various capital markets determines the financial structure of the economy and affects economic development.
In the aspect of property insurance, the introduction of property loss insurance points out that the introduction of property loss risk will reduce the level of capital stock in the steady-state economy, thereby reducing the level of output; the introduction of property loss insurance can mitigate the adverse effects of risk; in addition, the study shows that there is a potential optimal level of insurance demand in the economy. A similar conclusion has been drawn in the study of income-loss insurance, that is, income-loss risk reduces steady-state capital stock and steady-state output, and the introduction of income-loss insurance mitigates the adverse effects of risk.
Specifically, the chapters of this article are as follows:
The first chapter introduces the research questions, research background, research methods and contributions of this paper. It points out that insurance plays a very important role in macro-economy, but the research on the relationship between insurance and macro-economy has not fully revealed the relationship between them, nor has it clarified the path of promoting macro-economy by insurance. Methods To study the relationship between insurance and macro-economy, paying special attention to the promotion of insurance on macro-economy.
Chapters 2 to 5 are about personal insurance and macroeconomic research. Chapter 2 establishes an overlapping generation model with personal risk and considers the intergenerational transfer of income to examine the individual's demand for annuity insurance and life insurance. This chapter shows that life insurance plays an important role in family expenditure, and the model can better simulate the level of household insurance demand.
Chapter 3 improves the model of Chapter 2, assuming that individuals have inheritance motives, and the main purpose of buying life insurance is to leave a legacy for their children. As a result, this chapter also draws a similar conclusion that insurance products will raise household savings rates. Another interesting conclusion is that buying life insurance is the main way for individuals to leave their legacies.
Based on the micro-level research of Chapter 2 and Chapter 3, Chapter 4 establishes the relationship between life insurance and macro-economy from macro-level. The research shows that annuity is one of the important ways to form capital stock and plays an important role in macro-economy. Long path and steady state level.
Chapter Five, based on Chapter Four, assumes the frictional market and differentiated individuals, establishes the formation mechanism of financial structure from the perspective of individual savings behavior (i.e. capital supply), discusses the relationship between financial structure and macro-economy, and pays special attention to the promotion of annuity market to macro-economy. Reducing the cost of friction is an important factor affecting the financial structure and is conducive to economic development.
Chapter 6 and Chapter 7 are about the relationship between property insurance and macro-economy. Chapter 6 discusses the relationship between property insurance and macro-economy. It assumes that capital stock faces the risk of property loss and introduces property loss insurance to manage the risk. The introduction of property loss insurance may mitigate the adverse effects of risk.
Chapter 7 continues the research in Chapter 6, assuming that the output is facing the risk of loss of income, and introducing loss of income insurance to manage the risk, thus discussing the relationship between loss of income insurance and output. Industrial insurance is a typical loss of income insurance, so this chapter briefly introduces the conclusions of this chapter model applied to the analysis of agricultural insurance.
The conclusion of this paper is a summary of the conclusions and future research directions. The introduction of risk into the economic model and then insurance is conducive to a functional study of the role of insurance in the economy. The relationship between other important insurance products and the economy.
【學(xué)位授予單位】：南開大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F124;F842.6;F224
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