互联网金融背景下的保险业发展研究

Research on the Development of Insurance Industry under the Background of Internet Finance

摘要: 本文以中国各省级面板数据为研究样本，采用熵值法从金融发展与互联网发展两个维度构建互联网金融综合发展水平指标，选取保险密度作为被解释变量，实证检验互联网金融对保险密度的影响效应，并开展稳健性检验与异质性分析。基准回归结果显示，互联网金融显著提升地区保险密度，更换被解释变量、剔除突发公共卫生事件冲击样本、核心解释变量滞后一期等稳健性检验均支持上述结论。异质性分析表明，互联网金融的促进作用在经济发达地区与高人力资本地区更为显著。研究结论为推动互联网金融与保险业深度融合、完善多层次保险市场体系提供经验证据。

Abstract: Based on the provincial panel data of China, this paper constructs a comprehensive development level index of internet finance from the two dimensions of financial development and internet development by adopting the entropy method. Taking insurance density as the explained variable, it empirically tests the impact of internet finance on insurance density, and conducts robustness tests and heterogeneity analysis. The benchmark regression results indicate that internet finance significantly increases regional insurance density. Robustness tests, including replacing the explained variable, excluding samples affected by public health emergencies, and lagging the core explanatory variable by one period, all confirm the above conclusion. Heterogeneity analysis indicates that the promotional effect of internet finance is more pronounced in economically developed regions and areas with high human capital. The research conclusions provide empirical evidence for promoting the integrated development of internet finance and the insurance industry and improving the multi-level insurance market system.