發(fā)布時(shí)間：2018-12-06 12:45

【摘要】：摘要：外部性研究是經(jīng)濟(jì)學(xué)研究中的一個(gè)長(zhǎng)盛不衰的熱點(diǎn)問(wèn)題。近年來(lái)興起的金融領(lǐng)域的外部性研究,為揭示現(xiàn)代金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)之間的因果關(guān)系提供了可靠的實(shí)證方法。保險(xiǎn)業(yè)作為現(xiàn)代金融體系的重要組成部分,經(jīng)濟(jì)外溢效應(yīng)顯著,對(duì)其溢出機(jī)制和溢出績(jī)效的實(shí)證研究是國(guó)內(nèi)外研究的重點(diǎn)之一。尤其是中國(guó)保險(xiǎn)業(yè),其在發(fā)展過(guò)程中展現(xiàn)出了旺盛的生命力和顯著的外部性效果,因此,對(duì)中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性進(jìn)行系統(tǒng)實(shí)證研究具有重要的理論意義與現(xiàn)實(shí)價(jià)值。 本文首先對(duì)中國(guó)保險(xiǎn)業(yè)的發(fā)展?fàn)顩r進(jìn)行全面分析與評(píng)價(jià),通過(guò)對(duì)保險(xiǎn)業(yè)與經(jīng)濟(jì)增長(zhǎng)的關(guān)聯(lián)性實(shí)證來(lái)檢驗(yàn)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性效果。在此基礎(chǔ)上,從產(chǎn)業(yè)功能的視角對(duì)中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性產(chǎn)生原理進(jìn)行解析,并分別基于Feder兩部門(mén)模型和預(yù)防性儲(chǔ)蓄理論拓展模型對(duì)外溢路徑和溢出渠道進(jìn)行研究,構(gòu)建起中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性溢出機(jī)制模型。 在理論分析的基礎(chǔ)上,通過(guò)對(duì)全國(guó)24個(gè)省市地區(qū)進(jìn)行廣泛的問(wèn)卷調(diào)查獲得大量原始數(shù)據(jù),詳細(xì)的調(diào)研數(shù)據(jù)分析和Logit二元離散模型實(shí)證檢驗(yàn)顯現(xiàn)了現(xiàn)階段中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性溢出特征。隨后,本文運(yùn)用2003年～2012年全國(guó)31個(gè)省市地區(qū)的面板數(shù)據(jù),在對(duì)Feder兩部門(mén)模型進(jìn)行理論拓展的基礎(chǔ)上,采用兩部門(mén)Panel Data模型對(duì)中國(guó)保險(xiǎn)業(yè)的生產(chǎn)外部性進(jìn)行實(shí)證研究,結(jié)果表明,保險(xiǎn)能顯著影響非保險(xiǎn)部門(mén)的產(chǎn)出,中國(guó)保險(xiǎn)業(yè)的生產(chǎn)外溢效應(yīng)系數(shù)為0.1142。通過(guò)引入保險(xiǎn)消費(fèi)這一影響因素,構(gòu)建基于預(yù)防性儲(chǔ)蓄理論的VAR拓展模型,運(yùn)用1980年～2010年間的年度時(shí)序數(shù)據(jù)對(duì)中國(guó)保險(xiǎn)業(yè)的消費(fèi)外部性進(jìn)行實(shí)證研究,結(jié)果顯示,保險(xiǎn)能有效促進(jìn)消費(fèi)和收入的增長(zhǎng),在長(zhǎng)期內(nèi)保險(xiǎn)消費(fèi)對(duì)社會(huì)消費(fèi)的促進(jìn)作用穩(wěn)定在5%的水平。 基于以上研究,本文得出如下主要結(jié)論： (1)中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性根源于經(jīng)濟(jì)補(bǔ)償、資金融通和社會(huì)管理三大產(chǎn)業(yè)功能,在此基礎(chǔ)上衍生出共享資源、優(yōu)化配置、提升效率、推動(dòng)創(chuàng)新、擴(kuò)大投資、深化金融、促進(jìn)消費(fèi)、擴(kuò)大內(nèi)需、管控風(fēng)險(xiǎn)、提升素質(zhì)、和諧社會(huì)等一系列經(jīng)濟(jì)外溢效應(yīng)。 (2)調(diào)研實(shí)證顯示,中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性溢出渠道主要有規(guī)模經(jīng)濟(jì)溢出、投資溢出、消費(fèi)溢出、技術(shù)溢出、知識(shí)溢出與人力溢出等數(shù)種。 (3)基于兩部門(mén)Panel Data模型的實(shí)證表明,保險(xiǎn)作為一種重要的生產(chǎn)要素投入,會(huì)顯著影響非保險(xiǎn)部門(mén)的產(chǎn)出進(jìn)而促進(jìn)經(jīng)濟(jì)增長(zhǎng)。經(jīng)測(cè)算,對(duì)非保險(xiǎn)部門(mén)每增加1%的保險(xiǎn)要素投入,會(huì)產(chǎn)生國(guó)民經(jīng)濟(jì)增長(zhǎng)0.1142%的保險(xiǎn)生產(chǎn)外溢效應(yīng)。 (4)基于預(yù)防性儲(chǔ)蓄理論的VAR拓展模型實(shí)證顯示,保險(xiǎn)通過(guò)降低個(gè)體未來(lái)的經(jīng)濟(jì)不確定性,可有效釋放全社會(huì)的預(yù)防性儲(chǔ)蓄,提升儲(chǔ)蓄向投資轉(zhuǎn)化的效率,保險(xiǎn)消費(fèi)的增加,短期內(nèi)會(huì)帶來(lái)社會(huì)邊際消費(fèi)傾向同比增加0.09,長(zhǎng)期內(nèi)對(duì)社會(huì)消費(fèi)的促進(jìn)作用穩(wěn)定在5%的水平。 本文的創(chuàng)新之處在于：(1)首次構(gòu)建了較為完整的中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性作用體系,在金融領(lǐng)域的外部性理論研究方面有所拓展； (2)對(duì)中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性進(jìn)行廣泛?jiǎn)柧碚{(diào)研,并運(yùn)用Logit二元離散模型進(jìn)行實(shí)證檢驗(yàn),展現(xiàn)了中國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)外部性特征； (3)對(duì)Feder兩部門(mén)模型和預(yù)防性儲(chǔ)蓄理論進(jìn)行了相應(yīng)地理論拓展與創(chuàng)新,并在此基礎(chǔ)上分別構(gòu)建兩部門(mén)Panel Data模型和VAR模型對(duì)中國(guó)保險(xiǎn)業(yè)的生產(chǎn)與消費(fèi)外部性進(jìn)行實(shí)證研究。
[Abstract]:Abstract: Externality is a hot issue in the study of economics. In recent years, the research of the externality in the financial field has provided a reliable and positive method for revealing the causal relationship between the development of modern finance and economic growth. As an important part of the modern financial system, the insurance industry is an important part of the modern financial system, and the empirical research on the overflow mechanism and the overflow performance of the insurance industry is one of the key points of the research at home and abroad. In particular, China's insurance industry has shown strong vitality and significant externality in the process of development. Therefore, it is of great theoretical and practical value to carry out a systematic and empirical study on the economic externality of the insurance industry in China. In this paper, the development of the insurance industry in China is analyzed and evaluated, and the economic externality effect of the insurance industry is verified by the correlation between the insurance industry and the economic growth. Based on this, the paper analyzes the principle of the economic externality of China's insurance industry from the perspective of industrial function, and makes a research on the spillover and overflow channel based on the two-sector model of the Federation and the model of preventive saving. Research and Construction of the Mechanism of Economic Externality of China's Insurance Industry Based on the theoretical analysis, a large number of raw data is obtained through a wide survey of 24 provinces and cities throughout the country. The detailed investigation data analysis and the analysis of the Logit binary discrete model show the economic externality of the insurance industry in China at present. Then, using the panel data of 31 provinces and cities in the country from 2003 to 2012, based on the theoretical development of the two-sector model of the Federation, the two-sector Panel Data model is used to make an empirical study on the production externalities of the insurance industry in China. The results show that the insurance can significantly affect the output of the non-insurance sector, and the production spillover effect factor of China's insurance industry is 0.1. 142. By introducing the influence factor of the insurance consumption, the VAR expansion model based on the preventive saving theory is constructed, and the consumption externality of the insurance industry in China is studied by using the annual timing data between 1980 and 2010, and the result shows that the insurance can effectively promote consumption and income The growth of the long-term insurance consumption on social consumption is stable at 5% Based on the above research, this paper concludes that The main conclusions are as follows: (1) The economic externality of China's insurance industry is rooted in the function of economic compensation, financing and social management. Efficiency, promoting innovation, expanding investment, deepening finance, promoting consumption, expanding domestic demand, controlling risk, improving quality, and building a harmonious society (2) The economic externality of China's insurance industry is mainly characterized by the economic overflow, the overflow of investment, the overflow of the consumption, the overflow of technology, the overflow of knowledge, and the spillover effect of the economic externalities of the Chinese insurance industry. (3) Based on the two-sector Panel Data model, insurance is an important input of production factors, which can significantly affect the non-insurance sector. The output of the non-insurance sector, in turn, contributes to the growth of the economy. It is estimated that an increase of 1% of the insurance elements in the non-insurance sector will result in an increase of 0.114 in the national economy 2% of the insurance production spillover effect. (4) Based on the empirical analysis of the VAR model of the preventive saving theory, the insurance can effectively release the preventive saving of the whole society by reducing the economic uncertainty of the individual's future, and improve the saving-to-investment The efficiency of conversion, the increase of insurance consumption, the social marginal consumption tendency in the short term will increase by 0.09, and the social consumption in the long term The innovation of this paper is that: (1) It is the first time to construct a more complete system of economic externalities of China's insurance industry. The external theory of the domain has been expanded; (2) for China The economic externalities of the insurance industry conduct a wide-ranging questionnaire survey and use the Logit binary discrete model to carry out the empirical test. The paper presents the economic externality of the insurance industry in China, and (3) the model and the pre-processing of the two parts of the Federation. In this paper, the theoretical development and innovation of the anti-sexual saving theory are carried out, and the two-sector Panel Data model and the VAR model pair are built on the basis of the theory.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842;F224

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本文編號(hào)：2366047