摘要
本文利用1995年～2005年全球40个国家的面板数据，将这40个国家划分为高收入、中等收入和低收入三类群体，考察了收入差距、金融发展及信用风险对保险需求的影响，实证结果表明：金融发展的各类指标对保险需求的作用具有显著差异性；同时在不同收入群体下金融发展对保险需求影响具有显著的差异性；金融发展引起的信用风险与保险需求呈反向变化；另外从整体上看亚洲金融危机造成的信用风险并没有对全球整体的保险需求造成负面影响，而从不同收入群体的估计结果来看，亚洲金融危机还促进了中等收入国家保险需求的增长，而对其他国家的保险需求没有显著的作用。
Using the panel data of 40 countries from 1995 to 2005 and dividing them into three groups-high in- come, medium income and low income, this article inspected income differential, financial development and credit risks＇ impacts on insurance demand. Results indicated that indexes of financial development showed remarkable differences in their influence on insurance demand;meanwhile, financial development had remarkable differences on insurance demand under different income groups;credit risks due to financial development and insurance demand changed reversely. On the whole, credit risks caused by Asian Financial Crisis hadn＇ t negatively impacted on global insurance demand;results from different income groups showed that Asian Financial Crisis actually promoted insurance demand of medium-income counties, but showed no significant impact on insurance demand in other countries.
出处
《保险研究》
CSSCI
北大核心
2013年第8期24-34,共11页
Insurance Studies
关键词
收入差距
金融发展
保险需求
收入效应
信用风险
income differential
financial development
insurance demand
income effect
credit risks
