基于VEC模型的保险影响消费的机理分析

本文对中国的消费低迷现象进行了分析,认为预防性储蓄倾向强烈是消费低迷的主要原因,从理论上分析了保险促进消费的作用机制,考察了中国保险业对社会保障体系的贡献度,通过构建向量自回归模型对保险影响消费的作用进行了分析。通过理论和实证的分析,我们发现保险对消费的长期促进作用大于短期的抑制作用,它保障了个人及家庭长期消费的稳定。

The Analysis on the Mechanism in which Insurance Affects Consumption

In the view of this paper,this paper analyses the insurance-promote-consumption mechanism theoretically,and investigate the contributions to the social security system for China insurance industry,at last,through building VAR model,aquires the coefficients on consumption,from which,we conclude that it is greater than short-term that the insurance’s impact on consumption for long term.