本文選題：城鎮(zhèn)化 + 保險�。� 參考：《天津財經(jīng)大學(xué)》2016年碩士論文

【摘要】：自黨的十六大提出"新型城鎮(zhèn)化"戰(zhàn)略后,我國在城鎮(zhèn)化的建設(shè)上取得了卓著的成績,至2015年底,城鎮(zhèn)率已經(jīng)達到了 56.1%。隨著城鎮(zhèn)化進程的推進,很多行業(yè)都迎來了快速發(fā)展的契機,承擔風險管理功能的保險業(yè)自然也不例外。同時,城鎮(zhèn)化發(fā)展過程中面臨著風險種類復(fù)雜繁多、農(nóng)民工的社會保障水平不足等問題,所以保險業(yè)必將迎來巨大的發(fā)展空間。伴隨著我國的城鎮(zhèn)化進程,我國的社會和經(jīng)濟環(huán)境都發(fā)生了明顯的變革,人們收入的提高、教育程度的提升和風險意識的增強等因素都將對保險的需求形成巨大的支持作用。首先,經(jīng)濟水平的提升將會帶動我國城鄉(xiāng)居民收入的提高,為保險的消費提供堅實的經(jīng)濟條件;其次,隨著我國的教育普及,人們的素質(zhì)將會得到顯著的提高,風險意識不斷加強,保險的需求量將得到提升;再次,農(nóng)村人口不斷向城鎮(zhèn)聚集,有利于保險公司更為便利的開展業(yè)務(wù),加速保險行業(yè)的市場開發(fā)。同時,金融體系在城鎮(zhèn)化進程中得到了不斷完善,其體系將更為先進,有利于保險企業(yè)更好的為客戶服務(wù),因為人口的集中化使得保險企業(yè)的業(yè)務(wù)擴展得到了極大的便利;最后,城鎮(zhèn)化也將推動農(nóng)業(yè)現(xiàn)代化的進程,農(nóng)業(yè)保險將會發(fā)揮巨大的作用,進而帶動保險消費的提升。同時,保險業(yè)通過參與城鎮(zhèn)的風險管理、資金的投入等也將對城鎮(zhèn)化發(fā)展質(zhì)量的提升有很大的促進作用。在理論分析后,接著將通過因子分析法構(gòu)建更能反映城鎮(zhèn)化發(fā)展水平的綜合指標體系,得出我國各省市的城鎮(zhèn)化發(fā)展情況,經(jīng)過比較可以發(fā)現(xiàn)我國各省市城鎮(zhèn)化的整體發(fā)展質(zhì)量存在著較為明顯的區(qū)域差異。緊接著,選取保險密度和保險深度作為被解釋變量,構(gòu)建混合效應(yīng)模型,實證結(jié)果表明四個城鎮(zhèn)化因子與保險密度高度相關(guān),而與保險深度則無強相關(guān)關(guān)系,同時,四個城鎮(zhèn)化因子對于財險保險密度的解釋度高于壽險保險密度的解釋度,即城鎮(zhèn)化水平將會對財產(chǎn)保險的發(fā)展產(chǎn)生更大的影響。然后通過構(gòu)建脈沖響應(yīng)函數(shù),結(jié)果表明:當保險密度在各個地區(qū)指標效用逐步擴大,會導(dǎo)致城鎮(zhèn)化率的繁榮擴張,而城鎮(zhèn)化率的逐步上升,也會導(dǎo)致保險需求量的不斷上漲,從而形成綜合城鎮(zhèn)化率同保險需求間的良性互動機制。論文最后分析了保險業(yè)和城鎮(zhèn)化發(fā)展互動機制中的困境,同時針對這些困境提出了一些政策建議。
[Abstract]:Since the 16th National Congress of the Communist Party of China put forward the strategy of "new urbanization", China has made remarkable achievements in the construction of urbanization. By the end of 2015, the urban rate has reached 56.1%. With the advancement of urbanization, many industries have welcomed the opportunity of rapid development, and the insurance industry, which assumes the function of risk management, is no exception. At the same time, in the process of urbanization, the risks are complex and various, the level of social security of migrant workers is insufficient, so the insurance industry will usher in a huge space for development. With the process of urbanization in our country, the social and economic environment of our country has undergone obvious changes. The increase of people's income, the improvement of education level and the enhancement of risk consciousness will all play a great supporting role in the demand of insurance. First, the improvement of the economic level will lead to the improvement of the income of urban and rural residents in our country and provide a solid economic condition for the consumption of insurance. Secondly, with the popularization of education in our country, people's quality will be significantly improved. With the strengthening of risk consciousness, the demand for insurance will be increased. Thirdly, the rural population will gather to the cities and towns, which will help the insurance companies to carry out business more conveniently and accelerate the market development of the insurance industry. At the same time, the financial system has been continuously improved in the process of urbanization, and its system will be more advanced, which is conducive to the insurance enterprises to better serve their customers, because the concentration of the population makes the business expansion of insurance enterprises greatly convenient; Finally, urbanization will also promote the process of agricultural modernization, agricultural insurance will play a huge role, and then promote the consumption of insurance. At the same time, the insurance industry will promote the development quality of urbanization by participating in the risk management of cities and towns and the investment of funds. After theoretical analysis, we will construct a comprehensive index system which can reflect the level of urbanization by factor analysis, and get the development of urbanization in various provinces and cities in China. Through comparison, we can find that there are obvious regional differences in the overall development quality of urbanization in various provinces and cities in China. Then, the insurance density and insurance depth are selected as the explanatory variables, and the mixed effect model is constructed. The empirical results show that the four urbanization factors are highly correlated with the insurance density, but have no strong correlation with the insurance depth. The interpretation of the four urbanization factors for the density of property insurance is higher than that for the density of life insurance, that is, the level of urbanization will have a greater impact on the development of property insurance. Then, by constructing impulse response function, the results show that when the utility of insurance density increases in every region, it will lead to the prosperity and expansion of urbanization rate, and the increase of urbanization rate will also lead to the rising of insurance demand. Thus forms the comprehensive urbanization rate and the insurance demand the benign interaction mechanism. Finally, the paper analyzes the difficulties in the interactive mechanism of insurance and urbanization, and puts forward some policy suggestions.
【學(xué)位授予單位】：天津財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F842;F299.21

【相似文獻】

相關(guān)期刊論文 前10條

1 吳祥佑;;我國保險密度空間收斂的實證研究[J];財經(jīng)研究;2009年09期

2 林增余;唯實 比較——談保險密度深度分析[J];保險職業(yè)學(xué)院學(xué)報;2005年05期

3 陸秋君;;中國保險密度的分析和預(yù)測[J];預(yù)測;2006年06期

4 吳祥佑;;我國保險業(yè)區(qū)域發(fā)展失衡的實證研究:基于保險密度的視角[J];當代經(jīng)濟科學(xué);2009年03期

5 陸秋君;;保險密度預(yù)測線性回歸分析法的模糊改進[J];統(tǒng)計與決策;2007年03期

6 馬軍偉;;江浙兩省保險密度和深度的比較分析[J];金融縱橫;2008年01期

7 郭徽;產(chǎn)險密度影響因素的實證分析[J];臺聲.新視角;2005年03期

8 陸青華;陳力華;;上海市商業(yè)保險密度的影響因素的實證研究[J];上海金融;2010年10期

9 吳偉偉;;新疆保險業(yè)發(fā)展和消費增長的實證研究[J];現(xiàn)代物業(yè)(中旬刊);2013年12期

10 白雪,楊振宇;淺析恩格爾系數(shù)與保險密度的綜合分析功能[J];上海保險;1999年10期

相關(guān)會議論文 前1條

1 郁佳敏;;我國各省保險業(yè)與經(jīng)濟發(fā)展的相關(guān)性實證研究[A];中國保險學(xué)會學(xué)術(shù)年會入選文集2011（理論卷）[C];2011年

相關(guān)重要報紙文章 前10條

1 本報記者 杜菲;城鎮(zhèn)化率與保險密度正相關(guān)[N];中國保險報;2013年

2 記者 姜瑜;中國保險密度和深度有待提高[N];上海金融報;2012年

3 記者 陳博;力爭保險密度達3500元/人[N];北京日報;2014年

4 記者 李中;保險密度區(qū)域差異仍然明顯[N];中國保險報;2013年

5 記者 姚慧;山東：2015年保險密度每人2200元[N];中國保險報;2011年

6 趙曉英;鞍山保險密度人均保費全省名列第一[N];鞍山日報　;2007年

7 本報記者 李畫;溫州動車事故考驗保險密度和深度[N];中國保險報;2011年

8 福榕;十大地區(qū)將成財險旺銷區(qū)域[N];中國經(jīng)營報;2001年

9 記者 郭健 實習(xí)生 李慧;我市保險業(yè)務(wù)城鄉(xiāng)全覆蓋[N];包頭日報;2011年

10 記者 崔啟斌;2015年人均投保力爭7000元[N];北京商報;2011年

相關(guān)碩士學(xué)位論文 前3條

1 李騰;保險業(yè)與城鎮(zhèn)化發(fā)展的互動機制研究[D];天津財經(jīng)大學(xué);2016年

2 劉紅;我國保險密度地區(qū)差異的影響因素分析[D];湖南大學(xué);2009年

3 李博;吉林省壽險需求的實證分析[D];吉林財經(jīng)大學(xué);2010年

，

本文編號：1815799