经济结构、制度变迁与中国寿险市场结构形成机制

Economic Structure,Institutional Change and Formation Mechanism of Life Insurance Market Structure in China

文章基于保险产业经济学、宏观经济学以及制度变迁理论,利用样本期为1999-2008年的省级面板数据,对中国寿险业市场结构的形成机制进行了实证研究。无论是全国31个省市的样本,还是东部、中部和西部的样本,总体和分别回归的结果均表明,各省市期初寿险业结构、大中企业比重、国有企业比重和银行贷款余额与寿险业结构正相关,寿险市场规模、寿险市场需求增长率、人均GDP、重工业比重、股票市值、居民受教育程度和当地政府的财政支出与寿险业结构负相关。

Based on the theories of industrial economics,macroeconom ics and institutional change,the paper makes an empirical study on the for mation mechanism of Chinese life insurance market structure by employing a panel data from 1999 to 2008.The results show that the key factors influence Chinese life insurance market structure significantly and differently. Such factors as initial life insurance market structure,the proportion of large-and-medium enterprises and state-owned ones,bank loans are positively relate...