金融学院知识库

数字经济是继农业经济和工业经济之后出现的新经济形态，它以现代信息网络技术为主要载体，以数字资源为关键要素，将信息通信技术融合应用和全要素数字化转型助推经济发展进程。党的二十大报告提出:“加快发展数字经济，促进数字经济和实体经济深度融合，打造具有国际竞争力的数字产业集群。”可见，发挥我国社会主义市场经济制度优势，加快卡脖子技术攻关，抢占数字技术竞争制高点，推动数字经济实体经济深度融合发展，已成为新时代新征程推动中国式经济现代化的必然选择。

对于保险行业而言，保险具有天然的数字属性，数字化、技术化赋能使保险业务流程得以优化，给行业发展注入新的动力；同时，保险行业数字化转型又能为我国数字经济体系提供有力支撑。在我国保险市场规模总量位于世界第二，但居民保险密度和保险深度远低于世界平均水平的大背景下，如何利用数字经济发展提高我国商业保险消费水平、探究两者之间的影响关系就显得尤为重要。数字经济的发展影响到经济社会的方方面面，相应也会对居民收入水平、收入差距以及消费结构等因素产生影响。消费者的收入水平是影响保险消费的核心因素，收入差距、消费结构也是影响保险消费的重要因素。那么，数字经济的提高能否从提高收入水平、影响收入差距和消费结构等路径从需求端促进保险行业的发展？而数字经济对于保险消费的影响程度又是怎样的？探究这些问题对于保险行业推动数字化的改革与发展具有建设性的参考。

本文首先梳理数字经济和保险消费的有关概念，然后探讨总结数字经济对保险消费产生影响的理论机制。在实证策略方面，本文选择符合数字经济发展内涵的测度指标，对我国31个省份的数字经济发展水平进行测度，随后建立实证模型验证商业保险消费和数字经济发展之间的关系。进一步地，本文尝试探究数字经济对于保险消费的影响机制以及数字经济影响保险消费的异质性作用，以得到为之后国家发展数字经济以及保险公司推动数字化改革提供可能的依据。

The digital economy is a new economic form that emerges after the agricultural economy and the industrial economy, which takes modern information network technology as the main carrier and digital resources as the key elements, and promotes the economic development process by integrating the application of information and communication technology and the digital transformation of all factors. With an unprecedented speed of development and a wide range of radiation, it has profoundly changed people's mode of production, lifestyle and governance.

For the insurance industry, insurance is inherently digital, and its core business is to assess and manage risk. The development of the digital economy affects all aspects of the economy and society, and will certainly have an impact on factors such as residents' income levels, income disparities, and consumption structure. The income level of consumers is the core factor affecting insurance consumption, and income gap and consumption structure are also important factors affecting insurance consumption. So, can the improvement of the digital economy promote the development of the insurance industry from the demand side by raising income levels, affecting income disparities and consumption structure? And what is the impact of the digital economy on insurance consumption? This is a constructive reference for the insurance industry to promote the reform and development of digitalization.

This paper first reviews the relevant concepts of digital economy and insurance consumption, and then discusses and summarizes the theoretical mechanism of the impact of digital economy on insurance consumption. In terms of empirical strategy, the selection of measurement indicators in line with the connotation of digital economy development is selected to measure the level of digital economy development, and then an empirical model is established to verify the relationship between commercial insurance consumption and digital economy development. Furthermore, the topic is selected to explore the influence mechanism of the digital economy on insurance consumption and the heterogeneous role of the digital economy in influencing insurance consumption, so as to provide a possible basis for the development of the digital economy in China and the promotion of digital reform by insurance companies.