| 中国保险业顺周期性的实证分析 |
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| 引用本文： | 黄溪,周晖.中国保险业顺周期性的实证分析[J].财贸经济,2012(3):53-59. |
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| 作者姓名： | 黄溪 周晖 |
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| 作者单位： | 1. 武汉大学社会保障研究中心,430072
2. 浙江财经学院金融学院,310018 |
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| 基金项目： | 国家自然科学基金，湖南省社科基金重大委托项目，中央高校基本科研业务费专项资金 |
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| 摘 要： | 本文在现有关于保险公司保险周期研究的基础上,对保险公司经营中的顺周期性进行实证研究。通过选取中国17家保险公司2003-2009年年度数据作为分析样本,利用面板数据模型进行实证分析,发现保险公司的顺周期效应显著;此外,还发现寿险公司的承保业务强于财险公司而投资业务弱于财险公司。本文建议对保险公司采取逆周期监管,提高保险公司经营的平稳性,促进金融体系稳健经营。
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| 关 键 词： | 保险业 顺周期性 承保业务 投资业务 |
An Empirical Research on Pro-cyclicality of Insurance in China |
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| HUANG XiWuhan University,ZHOU Hui.An Empirical Research on Pro-cyclicality of Insurance in China[J].Finance & Trade Economics,2012(3):53-59. |
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| Authors: | HUANG XiWuhan University ZHOU Hui |
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| Institution: | (Zhejiang University of Finance & Economics,310018) |
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| Abstract: | Based on existing research,this paper studies the periodicity of insurance firms from the viewpoint of pro-cyclicality.Using the panel data model with annual data from 2003 to 2009 of 17 insurance firms,the authors clearly find that insurance companies are under salient impact of pro-cyclical effect.The underwriting business of life insurance companies is stronger than that of property insurance companies,while their investment business of the former is weaker.The thesis suggests a regular surveillance on insurance companies in order to improve their overall stability,thus to further promote sustainable and stable development of financial system. |
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| Keywords: | Insurance Pro-cyclicality Underwriting Business Investment Business |
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