银保合作程度的宏观实证检验与微观机制探讨

文章分析了改革开放30年来银行和保险两大金融行业多类宏观指标相互间的关系和影响,发现银行保险业随着各自发展进入成熟期,其协整关系也越来越明显,但是银行与保险业中财产险和人身险的相互影响的关系是不一致的。通过对全国30个省份的研究发现,银保的比例关系与经济发展程度有一定关系,经济发达地区保险业占比反而较小。实证结论对于银保融合中出于不同动机的不同利益诉求者的决策提供了依据,宏微观结合的方式为银行保险的研究提供了更为广阔的思路。

The Macroscopical Empirical Test and Microscopic Mechanism Research of the Bancassurance

Based on 30-year macro-indicators about banking and insurance after the financial reform,this paper analyzes the relationship between bank and insurance industry,and finds that the development of banking and insurance is co-integrated as they mature,but the causal relationship of banks-property insurance and banks-life insurance is inconsistent,we also find that the ratio between the bank and insurance has a certain relationship with the level of economic development,but the proportion of the insurance industry in developed regions is smaller.