《保险研究》20240102-《数字经济对保险业发展的影响——基于“宽带中国”战略的准自然实验》（张芳洁、辛思潜）

［摘   要］通过培育数据要素、优化资源配置和打破时空限制，数字经济成为保险行业发展的重要驱动力。本文从信息视角和社会基础结构维度出发，选取2003～2020年中国198个地级市为研究样本，利用多时点DID模型考察数字经济和保险业发展的关系。研究发现，数字经济发展能够显著促进保险业发展，但存在短暂的滞后效应，其中数字经济的红利对于东部地区、一般地级市和网络基础设施较差的地区更为明显。机制检验发现，信息对称和社会基础结构是数字经济推动保险业发展的重要渠道。本文还考察了数字经济对两类保险公司及财险公司险种结构的影响，发现数字经济的发展在更大程度上作用于人身保险公司，对于财产保险公司的责任保险、车险、短期健康险和意外伤害险有正向促进作用。

［关键词］“宽带中国”政策；数字经济；保险深度；保险密度

［作者简介］张芳洁，山东大学经济学院副教授，硕士生导师，主要研究方向：保险经营管理；辛思潜(通讯作者)，山东大学经济学院硕士生，主要研究方向：保险经营管理、数字经济。

The Impact of Digital Economy on Insurance Industry Development—A Quasi-Natural Experiment based on the "Broadband China" Policy

ZHANG Fang-jie，XIN Si-qian

Abstract：Through developing data elements，optimizing resource allocation and breaking time and space constraints，the digital economy can work as the important driving force for high-quality development of the insurance industry.Making a theoretical analysis from the perspective of information and social infrastructure，and with 198 prefecture-level cities in China from 2003 to 2020 as research samples，this paper employs the multi-period DID model to investigate the causality between digital economy and the development of the insurance industry.As the results indicate，the development of digital economy can significantly promote the development of the insurance industry，with a transitory lagged effect though.In eastern regions，general prefecture-level cities and areas with poor network infrastructure，the dividends brought by the digital economy are more obvious.The mechanism test finds that information symmetry and marketization are drivers for digital economy to promote the development of the insurance industry.Finally，this paper also examines the impact of digital economy on the insurance business structure of two major types of insurance companies and property insurance companies，revealing that the development of digital economy has a greater effect on life insurance companies，and a promoting effect on liability insurance，auto insurance，short-term health insurance and accident insurance of property insurance companies.

Key words：“Broadband China” Policy;digital economy;insurance penetration;insurance density