金融学院知识库

共同富裕是社会主义的本质特征，充分探索共同富裕驱动因素有助于共同富裕的实质推进，而商业保险作为有效的现代风险管理手段，凭借其基本作用及经济社会效应，具备推进共同富裕的功能基础。文章首先对共同富裕的内涵、困境、实现路径及推动因素的相关文献进行充分梳理，得出共同富裕驱动因素所应满足的基本条件，其次梳理和汇总了商业保险功能基础和商业保险消费的经济社会效应，探讨商业保险助推共同富裕的理论机制。在实证分析方面，选取2005-2021年相关数据建立省际共同富裕指数，运用双向固定效应模型、调节效应模型和空间杜宾模型分析了商业保险消费对共同富裕的推动作用。结果显示：（1）商业保险消费能够助推共同富裕水平的提高，这一效应在经历替换核心解释变量、滞后回归、工具变量法等稳健性检验后仍然成立；（2）财产险和人身险消费均能有效促进共同富裕水平的提升，而相对于人身险消费，财产险消费具备更强的助推作用；（3）商业保险在经济相对发达的区域能够发挥显著的共同富裕助推作用，而在相对落后区域作用不明显；（4）调节效应模型显示，城镇化率的提高将弱化商业保险助推共同富裕的能力，而总抚养比、损失强度、工业化水平更高的区域，商业保险助推共同富裕的能力更强；（5）空间杜宾模型回归结果显示，保险密度不存在对邻接地区共同富裕水平的外溢作用，而本地保险深度则能够影响邻接地区的共同富裕水平。据此认为，应进一步大力开拓潜在保险市场、继续推进保险业回归本质、不断深化保险与康养业融合发展、持续推进普惠保险高质量发展，才能使保险业在推进共同富裕进程中发挥更大作为。

Common prosperity is an essential characteristic of socialism, and fully exploring the driving factors of common prosperity helps to promote its essence. As an effective modern risk management tool, commercial insurance, with its basic role and economic and social effects, has the functional foundation to promote common prosperity. The article first thoroughly reviews the relevant literature on the connotation, difficulties, implementation paths, and driving factors of common prosperity, and identifies the basic conditions that should be met by the driving factors of common prosperity. Secondly, it summarizes the functional basis of commercial insurance and the economic and social effects of commercial insurance consumption, and explores the theoretical mechanism of commercial insurance promoting common prosperity. In terms of empirical analysis, relevant data from 2005 to 2021 were selected to establish the inter provincial common prosperity index. The bidirectional fixed effects model, moderating effects model, and spatial Durbin model were used to analyze the driving effect of commercial insurance consumption on common prosperity. The results show that: (1) Commercial insurance consumption can promote the improvement of the level of common prosperity, and this effect still holds after undergoing robustness tests such as replacing core explanatory variables, lagged regression, and instrumental variable method; (2) Both property insurance and personal insurance consumption can effectively promote the improvement of the level of common prosperity, and compared to personal insurance consumption, property insurance consumption has a stronger boosting effect; (3) Commercial insurance can play a significant role in promoting common prosperity in economically developed regions, while its role is not significant in relatively underdeveloped regions; (4) The moderating effect model shows that an increase in urbanization rate will weaken the ability of commercial insurance to promote common prosperity, while regions with higher total dependency ratio, loss intensity, and industrialization level will have a stronger ability of commercial insurance to promote common prosperity; (5) The spatial Durbin model regression results show that there is no spillover effect of insurance density on the level of common prosperity in adjacent areas, while local insurance depth can affect the level of common prosperity in adjacent areas. Based on this, it is believed that further efforts should be made to explore the potential insurance market, continue to promote the return of the insurance industry to its essence, continuously deepen the integration of insurance and health care industry, and continuously promote the high-quality development of inclusive insurance, in order to enable the insurance industry to play a greater role in promoting the process of common prosperity.