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本文在扩展的MRW模型基础上考虑健康人力资本对经济增长的重要性。首先,探究了健康人力资本与经济增长的关系,结果表明健康人力资本对经济增长的影响超过物质资本的影响。之后采用动态面板系统广义矩方法估计,研究发现当采用不同指标衡量健康人力资本时其对经济增长并非都起促进作用。后又考察社会保险、商业寿险与健康的协同效应,发现均可有效促进经济增长,且在不同情况下社会保险与商业寿险之间存在竞争关系和替代效应。另外,研究发现相对于寿险来说,社会保险比重越高越不利于经济增长,降低寿险市场集中度并提高竞争程度会促进经济增长。最后还考查了上述各因素对经济增长速度的影响,结论与基于经济增长水平的分析未发生太大变化。
Based on the extended MRW model, this paper considers the importance of healthy human capital to economic growth. First, the relationship between healthy human capital and economic growth is explored. The result shows that the effect of healthy human capital on economic growth exceeds that of material capital. Afterwards, the method of GMM was used to estimate the dynamic panel system. The research found that when using different indicators to measure healthy human capital, it did not promote economic growth. After that, the synergistic effect between social insurance, commercial life insurance and health was also investigated. All of them were found to be effective in promoting economic growth. In addition, there were competition and alternative effects between social insurance and commercial life insurance in different situations. In addition, the study found that, relative to life insurance, the higher the proportion of social insurance is, the less favorable to economic growth. The reduction of life insurance market concentration and the increase of competition will promote economic growth. Finally, it also examines the impact of the above factors on the economic growth rate. The conclusions and conclusions based on the analysis of economic growth have not changed much.