摘要
在考虑地区保险市场集中度的基础上,本文利用面板门槛模型研究了财产保险与经济发展的关系。实证结果表明财险赔款和经济发展存在着非线性的关系:在市场集中度低时,财险赔款与地区经济发展呈现出显著的正相关;而在市场集中度高时,财险赔款与地区经济发展不相关。因此,在不同的市场集中度下,我们应系统、动态地看待财险赔款对经济发展的作用,制定"分而治之"的保险发展政策。
In view of the explanation of economic growth and Industries Agglomeration, this paper puts forward a proposition that Property insurance have non -linear relations with economic growth, and confirms the non -linear relations by panel threshold model. The conclusions show that：（a） Insurance indemnity and the re- gional economic development presents significantly positive correlation under low Industries Agglomeration ; （b） Insurance indemnity isn＇ t related with regional economic development under high Industries Therefore, it provides the important enlightenment that we should choice of Industries Agglomeration and Economic Growth, which also tion of the insurance development policy of ＂divide and conquer＂. regard systematically and provides a theoretical basis Agglomeration. dynamically the for the formula-
出处
《保险职业学院学报》
2014年第2期5-10,共6页
Journal of Insurance Professional College
基金
中央财经大学2012年研究生科研创新基金项目"中国财产保险公司承保风险最低资本要求研究"(201231)
2013年第四届"中国保险与风险管理国际年会"入选论文
关键词
市场集中度
财险赔款
面板门槛模型
Industries Agglomeration
Property insurance
Economic Growth
Panel threshold model
