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Finance 2021
中国普惠保险发展省际差异及影响因素研究
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Abstract:
本文通过构造普惠保险发展测算指数测算分析中国普惠保险发展的省际差异及其影响因素，并基于动态面板模型进行实证研究。本文通过对中国31省11年数据测算发现保险渗透性对推动普惠保险发展的影响作用最大，保险接触性的作用在逐步提高。研究结果显示中国普惠保险的发展存在显著的省际差异，呈现“中部塌陷”现象；普惠保险发展与地区经济水平呈U型关系，与城市化水平和保险意识呈显著正相关，与总抚养比、地区人口密度及地方政府财政支出占比则呈显著负相关。
This paper develops a model to evaluate the inclusive insurance development level in 31 provinces of China. A dynamic panel model is applied to analyze the factors influencing the development of in-clusive insurance. It turns out significant regional differences, as an overall “Collapse in the Central Region”, in the development of inclusive insurance in China. The relationship between the inclusive insurance and the regional economic level is showed as U-shaped. There are significantly positive correlations between the level of urbanization, insurance awareness and the inclusive insurance development. Well, the total dependent ratio, the regional population density and the proportion of local government expenditure show significantly negative correlations with the inclusive insurance development.
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