商业保险、居民消费与共同富裕

Commercial Insurance,Resident Consumption and Common prosperity

基于2011年至2021年的省级面板数据,实证分析商业保险对共同富裕的影响机制。运用熵值法测算我国各地区的共同富裕指数,通过固定效应模型、中介效应模型等对共同富裕的影响机制进行研究。研究结果表明,商业保险能够促进共同富裕水平的提高;区域异质性检验发现,商业保险对东部地区共同富裕的促进作用更强,对西部地区的促进作用相对较弱;居民消费在商业保险和共同富裕之间起到了重要的传导作用;进行分维度传导机制检验可以看出,居民消费对发展性的传导效果最强;通过分区域传导机制检验可以看出,东部地区和中部地区的居民消费在商业保险促进共同富裕的传导作用上更显著。该研究有助于探索共同富裕的影响机制,并为我国共同富裕目标的实现提供理论依据。

Based on provincial panel data from 2011 to 2021,this paper empirically analyzes the impact of commercial insurance on common prosperity and its impact mechanism.First,the entropy method is used to measure the common prosperity index of all regions in China,and the impact mechanism is studied through the fixed effect model and the Mesomeric effect model.The results show that commercial insurance has a significant positive effect on common prosperity,which is subdivided into development,sharing and sustainability,with the most significant effect on sharing;the regional heterogeneity test finds that commercial insurance plays a stronger role in promoting common prosperity in the east,while the western region is relatively weak;residents'consumption has played a significant Mesomeric effect between commercial insurance and common prosperity;the multidimensional mechanism test shows that residents'consumption has the strongest transmission effect on development;the regional transmission mechanism test shows that residents'consumption in the northeast and central regions has a more significant role in the transmission of commercial insurance to promote common prosperity.This study will help to explore the impact mechanism of common prosperity and provide a theoretical basis for the realization of the goal of common prosperity in China.