摘要
保险业在经济中的重要性已得到逐步的认识,但相关研究还是较少。保险作为金融中介,通过强大的筹资功能,为社会创造价值。本文运用两个理论模型分别论证了财产保险为经济提供了分担机制,寿险为经济发展提供了更多长期资本,且两类保险对技术进步也有促进作用,保险制度直接与间接地提高了社会产量,推动了经济增长。以我国为实证,结果表明,人寿保险和财产保险对GDP增长有贡献作用。
The importance of the insurance Industry in an economy has been well recognized, yet there is no extensive study on this area. Insurance as financial intermediate create value by financing capital. The two theoretical models are developed in the dissertation, the result indicated property and liability insurance serve as risk sharing institutions in an economy, and life insurance sector can provide more long run capital into an economy. In the more the technological progress will be made by insurance. Thus insurance improve social product and promote economic growth. An empirical analysis based on insurance Industry of China, indicated the property-liability insurance and life insurance sector contribute to growth of GDP.
出处
《金融理论与实践》
北大核心
2011年第8期92-97,共6页
Financial Theory and Practice
关键词
保险业
经济增长
技术进步
金融中介
Insurance
Economic Growth
Technological Progress
Financial Intermediary
