科技进步与保险公司发展关系的实证研究

The Empirical Research on the Relationship between the Scientific and Technological Progress and the Development of Insurance Company

运用Granger因果检验及脉冲响应函数在样本期(1995-2009年)内对科技进步与保险公司发展之间的相关关系进行实证分析,其结果显示:科技进步对保险公司发展的冲击作用波动较大,并在不同时期表现出正负相反的冲击效果,长期波动趋于平稳,表明科技进步对保险公司发展有较为明显的影响,但随着科技的进一步发展,其对保险公司发展的影响将趋于平稳;保险公司发展对科技进步的冲击波动性较大,表明保险公司的发展能够为科技进步分散风险,进一步支持科技进步的发展。

Using the Granger causality test and impulse response function, the author makes the empirical analysis on the re- lationship between scientific progress and the insurance company development in the sample period （1995-2009）, the resuh shows： the impact function of science and technology progress on insurance company development is fluctuating, and shows the opposite effect of positive and negative impact in different period, long wave reached a plateau, which shows the progress of science and technology has obvious influence on insurance companies development, but with the fitrther development of sci- ence and technology, the effect will tend to the smooth. The impact of the development of insurance company on the progress of science and technology has larger volatility, shows that the development of insurance company can spread risk for the sci- ence and technology progress, further support the development of the science and technology progress.