论文部分内容阅读
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 insurance industry economics, macroeconomics and institutional change theory, this paper makes empirical research on the formation mechanism of China life insurance market structure by using provincial panel data with sample period of 1999-2008. Whether in the sample of 31 provinces or cities in the whole country or the samples in the eastern, central and western regions, the overall and separate regression results show that the insurance industry structure, the proportion of large and medium-sized enterprises, the proportion of state-owned enterprises, the loan balance of banks and the life insurance industry The structure is positively correlated with the life insurance market structure, the life insurance market scale, the demand growth rate of life insurance market, GDP per capita, heavy industry proportion, stock market value, residents’ education level and the local government’s financial expenditure.