Страховая индустрия и региональное экономическое развитие Китая

С развитием рынка финансовой индустрии внимание Китая привлечено к роли страхования и экономического развития страховой отрасли. Цель исследования — определить влияние развития страховой отрасли на рост региональной экономики; сформулировать соответствующую политику для страховой отрасли. Задачи исследования — проанализировать вклад страховой отрасли в экономическое развитие Китая и влияние страхования имущества и жизни на экономический рост в регионах. Использованы методы анализа литературы и эмпирического исследования. Произведен отбор эталонных образцов для формирования теоретической базы, использована модель эндогенного экономического роста для проведения эмпирического исследования и тестирования на данных различных регионов Китая в период с 2013 по 2019 г. Использованы статистические данные для проведения эмпирического анализа и представления результатов исследования. Интерпретированы эмпирические результаты при помощи методов сравнения и графики. Показано, что страхование жизни и имущества способствует устойчивому росту экономики Китая, развитию инвестиций и экспорта, экономическому росту и снижает экономические риски. Страховая отрасль аккумулирует средства и повышает эффективность их использования, поддерживает развитие региональных отраслей. Сделан вывод, что разработка политики страховой отрасли в различных регионах и развитие адаптивного страхового бизнеса способствуют экономической стабильности и росту. Результаты исследования могут быть применены в странах с различным экономическим развитием регионов, например в России.

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