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保险业对经济增长贡献的理论模型与实证检验
引用本文:赵尚梅,李勇,庞玉锋.保险业对经济增长贡献的理论模型与实证检验[J].保险研究,2009(1).
作者姓名:赵尚梅  李勇  庞玉锋
作者单位:北京航空航天大学;中国建设银行淄博张店支行;山东大学;
基金项目:第四十批中国博士后科学基金资助
摘    要:本文依据金融发展与经济增长关系理论,运用两部门模型,揭示了保险业发展对经济增长贡献的传导机制,证明了保险业发展不仅对经济增长做出贡献,而且对非保险部门还存在溢出效应。结论表明,保险业增速每提高1%,将带动实际GDP增长率提高1.2154%;同时,模型回归结果也证实了保险业发展对经济其他部门存在溢出效应的假设:保险业每增长1%,非保险部门增长0.0472%;初级阶段的保险业边际生产力低于其它部门的边际生产力。随着保险业的发展,边际生产力的提高,其外溢效应将进一步显现,保险业必将成为经济增长的重要支柱。

关 键 词:保险业  两部门模型  外溢效应  经济增长  

Theoretical model and exponential analysis on insurance industry's contribution to economic growth
Zhao Shang-mei,Li Yong,Pang Yu-feng.Theoretical model and exponential analysis on insurance industry's contribution to economic growth[J].Insurance Studies,2009(1).
Authors:Zhao Shang-mei  Li Yong  Pang Yu-feng
Abstract:Based on the theory about the relationship between financial development and economic growth and using the two-sector model,this paper revealed the transmission mechanism through which the financial development contributed to economic growth,and proved that the development of the insurance industry not only contributed to economic growth,but also had spillover effects on the non-insurance industry. It was concluded that each 1% growth of the insurance industry would drive real GDP growth rate to increase 1....
Keywords:insurance industry  two-sector model  spillover effect  economic growth  
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