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通过对我国居民消费与保费收入之间的实证计量结果发现,保费收入与消费支出有长期稳定的关系,两者之间存在着格兰杰因果关系,但是反过来不成立。保费收入水平对我国居民消费有显著的正向作用,保费收入1%的增长会带来消费水平0.53%的增长。我国现阶段正处于调结构、扩内需阶段,提高居民保险消费意识,提高保费收入水平会拉动我国内需,对我国经济发展有着积极的作用。
Through the empirical measurement between the resident consumption and the premium income in our country, we find that there is a long-term and stable relationship between the premium income and the consumption expenditure. There is Granger causality between the two, but the opposite is not true. The level of premium income has a significant positive effect on the consumption of residents in our country. The growth of 1% of premium income will bring a 0.53% increase in consumption level. At the present stage of our country, we are in a period of adjusting structure and expanding domestic demand, raising residents’ awareness of insurance consumption and raising the level of premium income will stimulate domestic demand in our country and will play a positive role in the economic development of our country.