金融学院知识库

摘  要

我国保险业自1980年恢复以来，一直处于高速增长状态，财产保险作为我国保险业的基本类别之一，与世界上其他国家的财险相比，其需求状况的发展还不充分。因此，扩大财险的需求是促进财险健康发展的关键路径之一。而新型城镇化是我国面对经济、社会发展新局势下的城镇化发展战略，是一个国家现代化的显著标志和关键部分，在推进经济发展方式转换，加快经济结构转型等重要领域发挥着重要作用，所以在经济结构转型中保险业应该抓住新型城镇化进程的重要契机，以谋求行业自身的健康稳定发展。

为了扩大财产保险的需求，促进财产保险的进一步发展，本文主要通过实证分析法和对比分析法，就新型城镇化对财产保险的需求影响进行了研究。首先，阐述了新型城市化对财产保险需求的作用机制：经济城镇化，奠定财险需求的物质基础、提高风险暴露财产、提升居民保险意识促进财险需求以及有利于保险业务的开展。其次，使用stata14.0统计软件，使用综合城镇化率作为衡量新型城镇化发展状况的指标，选取保险密度和保险深度作为衡量保险需求的指标，对这些数据进行回归结果和区域间差异性的检验分析。从理论和实证两方面，分析了新型城镇化对财产保险需求的促进作用。

通过研究发现，新型城镇化率与财险需求之间呈现正相关的关系，即新型城镇化的发展会促进财产保险的需求，然后异质性分析发现，我国中、东、西部地区的财产保险发展水平不一，存在区域间的差异性，综合城镇化率对各地区财险需求的促进作用程度也不一样。基于以上的研究结论，本文提出以下对策建议：创新财险产品满足城镇化的新需求、转变财产保险公司的发展模式适应城镇化发展趋势、加大监管力度规范保险销售行为及根据区域城镇化现状推动保险的差异化经营的建议。以扩大我国财产保险在新型城镇化的宏观背景下的有效需求，推动我国财产保险市场的健康发展。

关键词：财产保险需求 新型城镇化 省级面板数据 实证分析

The insurance industry in China has been growing at a high rate since its resumption in 1980. Property insurance, one of the basic categories of the insurance industry in China, has not developed sufficiently in terms of its demand profile compared to property insurance in other countries around the world. Therefore, expanding the demand for property and casualty insurance is one of the key paths to promote the healthy development of property and casualty insurance. The new type of urbanisation is China's urbanisation development strategy in the face of the new situation of economic and social development, and is a prominent symbol and key part of a country's modernisation. It plays an important role in promoting the transformation of the economic development mode and accelerating the economic structural transformation, so the insurance industry should seize the important opportunity of the new type of urbanisation process in the economic structural transformation in order to seek the healthy and stable development of the industry itself.

In order to expand the demand for property insurance and promote the further development of property insurance, this paper has conducted a study on the impact of new urbanisation on the demand for property insurance, mainly by means of empirical analysis and comparative analysis. Firstly, the mechanism of the role of new urbanisation on the demand for property insurance is explained: economic urbanisation, laying the material foundation for the demand for property insurance, increasing risk-exposed property, raising residents' insurance awareness to promote the demand for property insurance and facilitating the development of insurance business. Secondly, using stata14.0 statistical software, the comprehensive urbanisation rate is used as an indicator to measure the development status of new urbanisation, and insurance density and insurance depth are selected as indicators to measure the demand for insurance, and the regression results and inter-regional variability of these data are tested and analysed. From both theoretical and empirical perspectives, the promotion effect of new urbanisation on the demand for property insurance is analysed.

It is found that there is a positive relationship between the new urbanisation rate and the demand for property insurance, i.e. the development of new urbanisation will promote the demand for property insurance. The heterogeneity analysis then reveals that the level of property insurance development in the central, eastern and western regions of China varies, and there are inter-regional differences, and the extent to which the comprehensive urbanisation rate promotes the demand for property insurance varies from region to region. Based on the above findings, this paper proposes the following countermeasures: innovating property insurance products to meet the new demands of urbanisation, changing the development mode of property insurance companies to adapt to the development trend of urbanisation, increasing supervision to regulate insurance sales practices and promoting differentiated insurance operations according to the current situation of regional urbanisation. In order to expand the effective demand for property insurance in China in the macro context of new urbanization and to promote the healthy development of China's property insurance market.

Keywords：Property insurance needs；New urbanisation；Provincial Panel Data；Empirical analysis