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本文通过建立寿险与非寿险保险公司保费收入与我国国民生产总值的回归分析模型,分别从寿险行业和非寿险行业两个层面研究我国保险业对国家经济是否具有推动作用。另外,通过选取我国经济发达地区、经济次发达地区和经济欠发达地区的保费收入、赔款给付数据来进一步衡量各地区保险业的发展水平。探究在经济发展水平不相同的情况下,保险业对经济增长的影响是否相同。结果表明,保险业作为现代金融业的重要组成部分,对我国经济发展有着一定的推动作用,但是目前我国保险业仍然处于发展阶段,对经济发展的促进作用有限。
This paper studies the insurance industry in our country from the two aspects of life insurance and non-life insurance respectively, by establishing the regression analysis model between the premium income of life insurance and non-life insurance companies and China’s GNP. In addition, by selecting the premium income and compensation payment data in economically developed regions, economically less developed regions and economically underdeveloped regions in China, the level of development of the insurance industry in various regions is further measured. Explore whether the impact of the insurance industry on economic growth is the same at different levels of economic development. The results show that the insurance industry as an important part of the modern financial industry has a certain impetus to the economic development of our country. However, the insurance industry in our country is still at a stage of development and the promotion of economic development is limited.