摘要
基于粤港澳三地跨境金融一体化的视角,利用大湾区2006—2020年间“9+2”座城市的保险消费面板数据,使用固定效应模型并结合GLS和White-period方法,实证研究数字技术发展与大湾区保险消费之间的关系,结果发现:(1)总体而言,数字技术发展对大湾区保费收入增长、保险密度优化以及保险深度提升均具有正面影响,是促进大湾区保险消费的新动能;(2)在赋能强度方面,保险深度的提升效应显著大于保险密度,这与粤港澳三地保险市场互联、资金互通、服务互动的跨境“藩篱”尚未被有效打破密切相关;(3)在险种差异方面,数字技术对人身险的边际赋能效用大于财产险,这主要是由当前粤港澳三地保险业务结构所导致,数字技术对财产险的赋能效应有待提升。
From the perspective of the cross-border financial cooperation between Guangdong,Hong Kong and Macao,this paper analyzes the relationship between digital technology development and insurance consumption in the Greater Bay Area with the fixed effect model combined with GLS and White-period method based on the panel data of insurance consumption of"9+2"cities in the Greater Bay Area from 2006 to 2020.The results show that:(1)In general,the development of digital technology plays a positive role in promoting the growth of premium income,the optimization of insurance density and the enhancement of insurance depth in the Greater Bay Area.It is the new driving force for the development of insurance consumption in the Greater Bay Area.(2)In terms of enabling intensity,the enhancement effect of insurance depth is significantly greater than insurance density with the development of digital technology,which is closely related to the cross-border"barriers"of interconnection in insurance market,fund and service among Guangdong,Hong Kong and Macao.(3)In terms of the different insurance types,the marginal effect of digital technology on life insurance is much greater than that on property insurance.This is mainly caused by the current insurance business structure in the Greater Bay Area.
作者
李礼
李哓晖
蒋乐
LI Li;LI Xiao-hui;JIANG Le(Institute of Finance,Guangdong Academy of Social Sciences;Shenzhen Securities Association)
出处
《消费经济》
北大核心
2023年第3期93-102,共10页
Consumer Economics
基金
国家社会科学基金一般项目(20BGL076)
广东省哲学社会科学规划“双区和两个合作区”研究专项(GD22SQYJ03)
广东省社会科学院重点课题(2022D0050)。
关键词
数字技术
保险消费
跨境金融
新动能
粤港澳大湾区
Digital Technology
Insurance Consumption
Cross-border Finance
New Driving Forces
Guangdong-Hong Kong-Macao Greater Bay Area
