城镇化视角下经济增长与保险发展的门槛效应研究

Research on the Threshold Effect of Economic Growth and Insurance Development from the Perspective of Urbanization

以我国31省市地区2000-2020年的面板数据为样本,基于面板门槛模型探讨在城镇化视角下,经济增长与保险发展的门槛效应。研究发现:城镇化、经济增长及二者的交互项对保险发展均有显著的正向作用;以城镇化水平为门槛变量,我国各省市经济增长与保险发展之间存在着城镇化水平的“双重门槛效应”,城镇化对经济增长与保险发展的影响呈“S型”曲线关系。提出推动城镇化与经济增长协调发展以带动保险业良性发展的对策建议。

Based on the panel data of 31 provinces and cities in China from 2000 to 2020,this paper discusses the threshold effect of economic growth and insurance development from the perspective of urbanization.The study found that urbanization,economic growth and their interaction terms have signifi cant positive effects on insurance development;Taking the urbanization level as the threshold variable,there is a"double threshold effect"between the economic growth and insurance development;The impact of urbanization on economic growth and insurance development shows an"S-shaped"curve.Put forward countermeasures and suggestions to promote the coordinated development of urbanization and economic growth in order to drive the healthy development of insurance industry.