理论分析表明,保险业规模结构会影响经济增长,而保险业区域结构会影响区域经济差距。基于全国31个省区2006-2011年面板数据的实证研究发现,寿险业规模结构对经济增长有显著的负面效应,而财险业规模结构对经济增长有促进作用,但统计上不显著。基于全国以及各个省区1990-2011年时间序列数据的实证研究发现,保险业区域结构与区域经济差距之间存在长期均衡关系,但不存在短期动态关系;格兰杰因果检验表明,保险业区域结构是区域经济差距的格兰杰原因。
Theoretical analysis shows that the insurance scale structure will influence the economic growth, and the insurance regional structure will influence regional economic disparity. Based on the panel data of china's 31 provinces form 2006 to 2011, the empirical study found, life insurance scale structure has significant adverse effect on economic growth, and the property insurance scale structure can promote economic growth, though not statistically. Based on the national and provincial time series data from 1990 to 2011, the empirical study found that, there exists long-run equilibrium relationship between the insurance regional structure and regional economic gap, but not in the presence of short term equilibrium relationship. Grainger causality test shows that, the insurance regional structure is Grainger reason of regional economic gap.