| 中国保险业发展的经验函数分析 |
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| 引用本文： | 张伟,李陈华,邱长溶. 中国保险业发展的经验函数分析[J]. 系统工程, 2005, 23(5): 74-77 |
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| 作者姓名： | 张伟 李陈华 邱长溶 |
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| 作者单位： | 1. 西安交通大学,经济与金融学院,陕西,西安,710061
2. 湖南商学院,经济管理研究所,湖南,长沙,410205 |
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| 摘 要： | 在对数据统计口径进行调整的基础上，利用全国的时间序列数据分析城乡居民可支配收入、城乡居民储蓄存款余额、社会保险福利费、金融价格指数、居民活期存款利率及制度环境对中国保费收入的影响，得出中国保险业发展的经验函数，再用各地区的面板数据来分析中国保险业发展的地区差异性。研究发现：社会保障与商业保险之间没有相互替代关系；政府对保险业的政策支持力度不够；三大地区保险业发展呈不同类型，东部地区呈均衡发展型，中部地区呈收入拉动型，西部地区呈储蓄拉动型。
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| 关 键 词： | 保险业 地区差异 单位根检验 协整检验 格兰杰因果关系检验 |
| 文章编号： | 1001-4098(2005)05-0074-04 |
An Empirical Function Analysis on Chinese Insurance Industry Development |
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| ZHANG Wei,LI Chen-hua,QIU Chang-rong. An Empirical Function Analysis on Chinese Insurance Industry Development[J]. Systems Engineering, 2005, 23(5): 74-77 |
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| Authors: | ZHANG Wei LI Chen-hua QIU Chang-rong |
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| Affiliation: | ZHANG Wei~1,LI Chen-hua~2,QIU Chang-rong~1 |
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| Abstract: | On the base of rectification to data statistical method, this paper analyzes the relations between six independent variables (CCIDI, DCCI, SIW, IRCD, FPI, Dt) and dependent variable (PI) by using national time series data. Then it analyzes the difference of insurance industry development between three areas by using panel data. We find that there are no replace relation between social security and commercial insurance. The policies that support insurance industry are weak. The insurance industry development speeds are different. Equably development is the character of east region. Income pulling the insurance development is the character of middle region. And saving pulling insurance is the character of west. |
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| Keywords: | Insurance Industry Empirical Function Unit-root test Cointegration test Granger Casual Relation Test |
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