中文摘要：

通过选取中国31个省市在2002-2013年间的面板数据,建立固定效应模型与GMM估计进行实证研究。结果表明,保险业结构与经济增长呈现＂倒U型＂关系,保险业结构对经济增长的直接效应和匹配效应共同决定了既定状态下的最优保险业结构,并且,保险业结构会随着产业结构的变化作出动态调整,最终与产业结构相匹配,达到有利于经济增长的最优水平。

英文摘要：

By choosing the panel data of China＇s 31 p rovinces and municipalities during2002-2013, this paper establishes a fixed effects model and GMM estimation to conduct an empirical research. The results show that there is an inverted U-shaped relationship between the structure of insurance industry and economic growth, the direct effect and the matching effect of the structure of insurance industry on economic growth together determine the optimal structure of the insurance industry under the given state. In addition, the structure of insurance industry will be adjusted dynamically along with the changes in the industrial structure, finally it will be matched with the industrial structure, so that the optimal level conducive to economic growth can be achieved.