保险业影响我国经济增长的机理分析.doc

摘要: 保险业作为经济中一个重要环节,随着经济的发展取得了很大成就,其增长速度已经高于国民经济的增长速度。保险通过功能的发挥,在促进经济、稳定社会等方面发挥着越来越重要的作用。作为经济“稳定器”的保险业是否促进了经济增长了呢?到目前为止,该问题没有明确的答案。对于此问题,本文对我国保险业的实际情况进行了机理分析。首先,本文分析了经济增长的要素。其次,本文分别从消费、出口、资本积累及技术进步四个方面分析保险业与经济增长的关系。再次，本文分析了保险业对我国经济增长的影响和贡献。最后,本文根据理论研究结果,从发展保险业的角度,提出促进经济增长的政策和建议。

关键词:保险业； 经济增长； 机理

Abstract: Insurance has become an important role in the economy. The insurance industry has got an achievement with economic growth in China. The step of insurance increase is faster than macroeconomic. Insurance plays a more and more importance role in promoting economy, protecting stabilizing society and so on. As economy "stabler", it is not sure that the insurance whether to promote the economical growth. So far, this question did not have the exactly answer. To this question, this paper has carried on empirical study on China’s actual situation. Firstly，the paper analyzes the economic growth. Secondly，this paper analyzes the relationship between consumer, export, capital accumulation, technology renovation and the economic growth. Thirdly, this paper analyzes the impact and contribution of the insurance industry to China’s economic growth. Lastly, based on the theoretical and empirical results, some suggestions are put forward from the perspective of promoting insurance industry.  Key words: Insurance industry； Economic growth； Mechanism

中国保险业正在蓬勃发展，从消费、出口、资本积累、技术进步四个方面促进了中国经济的发展。一个较完善的保险业对于促进改革、发展经济、稳定社会、造福民众、构建和谐有着不可替代的地位和作用。要加快保险业的发展，不仅要通过各种方面提高各个行业城乡居民的保险意识，还需要在财政、税收政策方面给予支持。在各方面的共同作用下，保险业将会有一个辉煌的前景，而中国的经济也将有一个大的跨度。