金融学院知识库

改革开放以来，我国国民经济发展水平发生了巨大的变化，十九大报告指出，中国的城镇化已从数量型、物质型向质量型、内涵型转变，实现以包容为宗旨的新型城镇化至关重要。与此同时，商业保险在我国的发展也逐渐深入，在推进新型城镇化进程中，有必要对两者的协调发展状况进行深入的探讨。

文章首先整理汇总了有关商业保险与新型城镇化的科研成果，并对两者之间的耦合协同理论基础进行了探讨。在此基础上，从规模水平、渗透水平、保障水平、增长水平、结构水平五个维度选择指标，构建商业保险系统指标评价体系；建立基于人口、经济、土地、社会、生态五个维度的指标，构建了新型城镇化系统指标评价体系，并对2008-2019年我国30个省份（不含西藏）的商业保险和新型城镇化相关面板数据进行处理，计算出二者综合发展指数。依据于此，构建耦合协调度模型进行深入讨论，得到了两个系统的耦合协调度随着时间的推移呈上升趋势,通过Stata空间可视化方法继续探索，发现两个系统的耦合协调具有“东高西低”的空间分布特点，高耦合协调度的地区集中于东部大型城市周边区域，中西部地区十年来持续归属于低耦合协调度地区。根据理论与实证研究结果，本文从实际出发，提出了政策建议，以优化二者耦合协调发展，加速新型城镇化的建设，推动商业保险发展模式转变，以此为商业保险和新型城镇化发展理论提供有益的补充。

Since the reform and opening up, China's national economic development level has undergone tremendous changes. The report of the 19th National Congress of the Communist Party of China pointed out that China's urbanization has changed from a quantitative and material type to a qualitative and connotation type, and it is of vital importance to realize a new type of urbanization with inclusiveness as its purpose. At the same time, the development of commercial insurance in China is gradually deepening, in the process of promoting new urbanization, it is necessary to conduct in-depth discussion on the coordinated development of the two.

This paper first summarizes the scientific research achievements of commercial insurance and new-type urbanization, and discusses the theoretical basis of coupling and coordination between them. On this basis, the index evaluation system of commercial insurance system is constructed from five dimensions: scale level, penetration level, guarantee level, growth level and structure level. Based on the five dimensions of population, economy, land, society and ecology, the system index evaluation system of new urbanization was established. The panel data of commercial insurance and new urbanization in 30 provinces (excluding Tibet) from 2008 to 2019 were processed to calculate the comprehensive development index of the two. Based on this, the construction of coupling coordination degree model for further discussion, the two systems of the coupling coordination degree with the passage of time is on the rise, by Stata visualization methods continue to explore space, found that the two systems of coupling coordination with spatial distribution characteristics of "east west high low, high coupling coordination degree focused on major eastern cities in the surrounding area, In the past ten years, the central and western regions have been continuously belonging to the region with low coupling coordination degree. Based on the theoretical and empirical research results, this paper puts forward policy suggestions based on the reality to optimize the coupling and coordinated development of the two, accelerate the construction of new urbanization and promote the transformation of the development mode of commercial insurance. It provides useful supplement for commercial insurance and new urbanization development theory.