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本文将保险纳入一般消费范畴,构建VAR和VEC模型以及脉冲响应函数与方差分解方法,实证检验发现其消费数量不大,但经济驱动功效和社会稳定作用机理特殊,或以企业生产消费形式进入生产领域,构成社会经济系统再生产循环的物化劳动中一小部分嵌入性投入;或以家庭个人和政府机构的服务消费形式进入消费领域,构成社会经济系统再生产循环的活劳动消耗的一小部分嵌入性消费。平均受教育程度越高,风险意识与保险意识越强的活劳动,对保险消费的贡献率越高,导致嵌入保险消费的活劳动对经济增长的贡献(1.743)大于嵌入保险消费的物化劳动对经济增长的贡献(1.222)。保险消费促进经济增长的整体效果虽然表现缓慢,但逐渐上升并持续时间较长。
In this paper, insurance is included in the general consumption category. VAR and VEC models as well as impulse response function and variance decomposition method are constructed. Empirical test finds that consumption is not large, but economic drive function and social stability have a special mechanism or enter the production Areas, a small proportion of embedded inputs in materialized labor that constitute the cycle of socio-economic reproduction; or access to consumption in the form of service consumption by individual households and government agencies, constituting a small part of live labor consumption in the cycle of socio-economic reproduction. . The higher the average level of education, the greater the sense of risk and the stronger awareness of insurance, the higher the contribution rate to insurance consumption, resulting in the contribution of live labor embedded in insurance consumption to economic growth (1.743), which is greater than the contribution of physical labor embedded in insurance consumption to economic growth Contribution (1.222). Although the overall effect of insurance consumption for economic growth has been slow, it gradually rose and lasted longer.