中文摘要：

作为中国金融业的重要组成部分，保险业产生了显著的生产外部性，能有效推动非保险部门的结构调整和转型升级，并将促进国民经济结构的优化与总量的增长。基于两部门Panel Data模型的实证表明，保险作为一种重要的生产要素投入，会显著影响非保险部门的产出进而促进经济增长，经测算，对非保险部门每增加1％的保险要素投入，会带来国民经济增长0．1142％的保险生产外溢效应。

英文摘要：

As the important part of the financial industry in China, the insurance industry showed a sig- nificant production externality. It can promote the structural adjustment and transformation upgrading of non-insurance department effectively and will promote the optimization of national economic struc- ture and the total growth. The empirical based on the panel data models of two departments showed that as an important factor of production inputs, insurance could affect the output of non-insurance department significantly to promote the financial growth. After measuring, every 1% insurance input to the non-insurance department increased, would bring 0.1142% insurance spillover effect production to the national economic growth.