摘要
针对已有文献并未将"空间因素"纳入到"保险业市场结构与经济增长关系"分析范式的事实,文章以梳理保险业市场结构对经济增长的作用机理为基础,运用2007-2014年全国31个省和直辖市的面板数据,采用空间杜宾模型对财产保险业市场结构与经济增长之间的关系进行实证检验,进一步验证保险业市场结构对经济增长的作用,突出保险业市场结构具有"空间溢出效应",得出研究结论:财产保险业可以通过稳定第二产业的经营助力经济增长,而且经济开放程度、人力资本、财政支出、通货膨胀等因素对经济增长有显著影响。研究最后提出降低保险市场的垄断程度、提高经济的开放程度、提升人力资本、增加财政支出、降低通货膨胀等建议,以达到促进经济增长的目标。
In view of the fact that there is no literatures bring the spatial factors into discussing the relationship between the insurance market structure and economic growth, based on the analysis of the mechanism between the insurance market structure and economic growth, this article illustrates an empirical analysis on the relationship between the market structure of the property insurance industry and the economic growth by using Spatial Dubin Model with reference to the statistical data of China＇s 31 provinces（including municipalities） from 2007 to 2014, further verifying mechanism between the insurance market structure and economic growth, mean-while, this article proved that the market structure of insurance industry has ＂spatial spillover effect＂, showed the property insurance industry can stabilize the second industry to boost economic growth, economic openness, human capital, financial expenditure, inflation and other factors had significant influence on economic growth. In the end, this paper put forward some suggestions such as reducing the monopoly degree of the insurance market, increasing the degree of economic openness, enhancing the human capital, increasing the fiscal expenditure and reducing the inflation, so as to promote economic growth.
出处
《技术经济与管理研究》
北大核心
2017年第3期90-94,共5页
Journal of Technical Economics & Management
关键词
财产保险
市场结构
人力资本
经济增长
Property insurance
Insurance structural
Human capital
Economic growth
