中文摘要：

笔者以保险业发展与经济增长之间的关系为研究基础,以中国沿海地区作为研究对象,探寻沿海地区保险业发展与经济增长之间的动态影响路径。根据局部多项式估计结果,对区域保险密度与人均GDP之间的拟合效果、单调性、凹凸性及动态变化特征进行分析后得出的结论是：保险业发展与区域经济增长之间的效率及边际收益在沿海不同地区之间存在着明显的差异,各区域两变量的关系在2003年前后呈现出由复杂到简单的动态变化过程。以沿海地区整体保险业发展与经济增长的拟合曲线作为参照标准,北部沿海地区与南部沿海地区的拟合曲线变化相对稳定,东部沿海地区拟合曲线的变化较为复杂。总体上,沿海地区保险业发展对经济增长的正向作用是可以肯定的,边际产出递减规律在大多数情况下也成立。在此基础上,笔者从政策制定的针对性、产业发展的优先性等方面提出有关各沿海地区促进保险业发展的对策性建议。

英文摘要：

This paper took the relationship between insurance development and economic growth as the research foundation,aiming the north,east and south coastal area as the research object. Based on the nonparametric local polynomial regression,it studied the dynamic change between the two objects. It got the curve fitting of insurance density and GDP per capita and analyzed fitting effect,the monotonicity,convexity and dynamic change characteristics of the curve. The results showed that： there were obvious differences in output efficiency and marginal revenue between the three regions,and around 2003 the mechanism between the two variables changed from complex to simple. With the fitting line of the whole area as reference standard,the relationship in the north and south regions were stable,but curve changed complicatedly in the east area. As a whole,it was certain that insurance growth had positive effect to economy development of coastal area,and law of diminishing returns existed in most cases. According to these conclusion,the paper put forward countermeasures to promoting insurance development of coastal area,with respect to the targeted policies and priority sectors.