《保险研究》20220802-《普惠保险、民营企业与共同富裕——中介效应与调节效应的分析》（李红坤、祁永正）

［摘   要］民营企业是社会主义市场经济的重要发展成果,在实现共同富裕的过程中承担重要任务。而作为普惠金融体系的一部分,普惠保险充分发挥保险业服务实体经济的功能,对于民营企业的健康成长具有重要意义。本文利用2009~2019年中国31省份的面板数据,构建普惠保险评价体系以及共同富裕评价体系,采用熵权法对普惠保险指数和共同富裕指数进行测度,并实证检验了“普惠保险→民营企业发展→共同富裕”的传导机制,同时随着保险普惠性的提升,民营企业带动共同富裕的作用得到加强。本文着眼于与民营企业密切相关的保险业务普惠性发展问题,对当前普惠保险的研究边界进行拓展,同时理清了普惠保险、民营企业、共同富裕三者之间的关系。

［关键词］普惠保险；民营企业；共同富裕

［基金项目］本文感谢国家社会科学基金项目我国央地双层金融监管分权-合作模式的制度逻辑及构建路径研究(19BZZ095)资助。

［作者简介］李红坤,经济学博士,应用经济学、应用数学博士后,山东财经大学金融学院教授,研究方向:风险管理、金融监管；祁永正,山东财经大学金融学院研究生,研究方向:风险管理、金融理论。

Inclusive Insurance,Private Enterprises and Common Prosperity—An Analysis of the Intermediary Effect and the Moderating Effect

LI Hong-kun,QI Yong-zheng

Abstract：Private enterprises are the important achievements of the development of the socialist market economy and undertake important tasks in the process of realizing common prosperity.As part of the inclusive financial system,inclusive insurance fully playing the role of insurance industry in serving the real economy is of great significance for the healthy growth of private enterprises.Based on the panel data of 31 provinces and cities in China from 2009 to 2019,this paper constructed the evaluation systems of inclusive insurance and common prosperity.The entropy weight method was used to measure the inclusive insurance index and common prosperity index,and the transmission mechanism of ′ inclusive insurance → private enterprise development → common prosperity ′ was empirically tested.At the same time,with the improvement of insurance inclusiveness,the role of private enterprises in promoting common prosperity was strengthened.This paper focused on the inclusive development of insurance related to private enterprises,expanded the research boundary of current inclusive insurance,and clarified the relationship among inclusive insurance,private enterprises and common prosperity.

Key words：inclusive insurance;private enterprises;common prosperity