我国区域性保险边际消费倾向比较——基于Panel Data模型的研究

保险边际消费倾向反映了人们对待风险的态度和保险消费的意愿。论题利用Panel Data数据构造了我国29个省、市、自治区的保险消费函数,并据此对各地区保险边际消费倾向进行比较分析,结果表明,我国保险边际消费倾向总体上增长较快,但区域性差异也较大,而且区域性保险边际消费倾向与区域经济发展水平也不尽一致。

Regional Differences of the Insurance Marginal Consumption Propensity in China: A Study Based on Panel Data Model

Using the method of panel analysis,the article constructs consumption functions for 29 regions including provinces,autonomous districts and municipalities directly under the Central Government.It then examines and compares the different insurance marginal consumption propensity in China.The article shows a rapid growth in insurance marginal consumption propensity as a whole in China,indicates big differences in regional marginal consumption propensity,and suggests that the insurance marginal consumption propensities and the economic development level are not completely in line in some provinces or districts.Lastly,the article offers an economic explanation as well as effective measures to deal with the problems.