寿险、非寿险发展与经济增长--基于国际视角的实证分析

Life Insurance,Non-Life Insurance Development and Economic Growth:An Empirical Analysis Based on International Perspective

以1986—2007年48个国家的面板数据为样本,通过模型选择的检验,采用固定效应模型和误差修正模型,以人均寿险保费、人均非寿险保费为代表变量对经济发展的影响及两者之间的互动发展情况进行实证分析。结果表明:这三者之间具有明显的协整关系,经济越发达的国家或地区,保险市场的发展对经济增长的促进作用越大;寿险业与非寿险业对经济的影响存在区别,非寿险业对经济的促进作用在短期内更加明显,而寿险业对经济的促进作用则体现为长期影响。

Based on 1986-2007 panel data of 48 countries and using the fixed effects model and error correction model,the results show that there are deep relationship among life insurance,non-life insurance and economy development.But the affect to economy are different.The affect of non-life insurance is strong in short term,while that from life insurance will work in long term.