何林:ARE SOCIAL ENDOWMENT AND COMMERCIAL ENDOWMENT INSURANCE – SUBSTITUTES OR COMPLEMENTS? (EMPIRICAL EVIDENCES FROM CHINA’S REGIONAL INSURANCE MARKETS)


2014-09-26 08:00:00 来源:中国人民大学    点击:613

 

【作者】 何林;

【摘要】 In this paper we study the relationship between social endowment insurance and commercial endowment insurance. Social endowment insurance and commercial endowment insurance are the two fundamentals of China’s social security system. What’s the relationship between them? Substitutes or complements? The hypothesis is that the development of commercial endowment insurance has Kuznets effect with respect to the economic development level. At the low economic level, social endowment insurance and commercial endowment insurance are complements and the development of social endowment insurance will promote the demand of commercial endowment insurance. While at the high economic level they are substitutes and the development of social endowment insurance will squeeze the demand for commercial endowment insurance. The market share of commercial endowment insurance goes up first, then goes down with respect to economic development level, i.e., the Kuznets effect.

相关链接:ARE SOCIAL ENDOWMENT AND COMMERCIAL ENDOWMENT INSURANCE – SUBSTITUTES OR COMPLEMENTS? (EMPIRICAL EVIDENCES FROM CHINA’S REGIONAL INSURANCE MARKETS)


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