| In the past 40 years since the reform and opening up,China’s economy has achieved remarkable achievements and has been excessively developed by the past high speed.At the same time,our country urbanization construction also shift from the pursuit of quantity scale to the pursuit of quality benefit,from resources,elements,the industrial town to the central version1.0,version2.0 of the urban disease appeared,into the city function organization of version 3.0.Therefore,as a service-oriented insurance shall hold the important opportunity of the construction of new urbanization,seeking for the healthy and stable development of the industry itself,in order to make a bigger contribution to improving people’s livelihood security and the quality of life.This paper will analyze the effect of stimulative insurance new urbanization path from both theoretical and empirical aspects.First of all,This paper elaborates on how to promote the development of the insurance industry by the consumption upgrading,industrial concentration and policy dividend brought by the new type of urbanization.The second,this paper establishes fixed effects model based on 2000-2016 provincial panel data,including selection of comprehensive urbanization rate,premium income,insurance density,insurance depth.The results of empirical model show that the new type of urbanization level is positive related to the level of the insurance industry.And the new urbanization promotion effect to the development of property insurance is better than the development of life insurance.Found in the regional model,the higher urbanization rate of the region,the more significant promoted effect of the development of the insurance.Finally,this paper puts forward proposal from three dimensions based on the results of the study.From the view of government,strengthening government support,promoting regional insurance differentiation;From the view of insurance company,establishing insurance company self-development mechanism,optimizing the organizational structure,improving the company insurance management,desiging new products;From the view of consumers,strengthening the insurance propaganda and education. |
