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本文检验了OECD国家与基础四国保险业发展对经济增长的作用是否存在差异。实证结果表明,OECD国家保险业的发展显著地促进了经济增长,保险业与银行业之间形成了良好的互补关系;基础四国的非寿险业推动了经济增长,但是寿险业的经济增长效应显著为负,保险业与银行业和股票市场之间均呈现出显著的替代关系。
This paper examines whether there is a difference in the role of the insurance industry in OECD countries and the basic four countries in economic growth. The empirical results show that the development of insurance industry in OECD countries has significantly promoted the economic growth, and the insurance industry and banking industry have formed a good complementary relationship. The non-life insurance industry in the four countries has promoted economic growth, but the economic growth effect of the life insurance industry is significant Negative, there is a significant alternative between the insurance industry and the banking and stock markets.