بررسی اثرات توسعه صنعت بیمه بر رشد اقتصادی و توزیع درآمد در ایران

اقتصاد پولی مالی

مقاله 1، دوره 26، شماره 17، شهریور 1398، صفحه 1-26   

نوع مقاله: پژوهشی

شناسه دیجیتال (DOI): 10.22067/pm.v26i18.74801

نویسندگان

نظر دهمرده¹؛ مرضیه اسفندیاری^{* 1}؛ زهره اسکندری پور²

¹سیستان و بلوچستان

²دانشگاه سیستان و بلوچستان

چکیده

دستیابی به رشد اقتصادی همراه با بهبود توزیع درآمد همواره از اهداف اصلی توسعۀ اقتصادی محسوب می‎شود. در این راستا، سیاست‌گذاران به دنبال ابزارها و سیاست­های تقویت‌کننده رشد و توزیع درآمد به صورت هم­جهت و همزمان هستند. از سوی دیگر انتظار بر این است صنعت بیمه با توجه با کارکرد توزیع ریسک و جبران خسارت آن و همچنین نقش آن در توسعه مالی، بتواند امکان دسترسی همزمان به رشد اقتصادی و توزیع درآمد را فراهم کند. در مطالعۀ حاضر برای آزمون این فرضیه روش خود رگرسیونی با وقفه‎های توزیعی(ARDL)طی دورة زمانی 1354-1395 به‎کار گرفته شده است. نتایج نشان داد توسعه صنعت بیمه می­تواند در کوتاه مدت دسترسی همزمان به رشد اقتصادی و توزیع درآمد را فراهم کند. اما در بلندمدت صرفاً رشد اقتصادی را به دنبال خواهد داشت. با این وجود در بلندمدت می­توان جهت دسترسی همزمان به رشد اقتصادی و توزیع درآمد به سرمایۀ انسانی و فیزیکی اتکا کرد. هم‎چنین بر اساس الگوی تصحیح خطا؛ در هر دوره به ترتیب 2/88 و 1/68 درصد از عدم تعادل­های مربوط به تولید ناخالص داخلی سرانه بدون نفت و ضریب جینی تعدیل می­شود.
 

کلیدواژه‌ها

بیمه؛ جبران خسارت؛ ریسک؛ توسعه مالی؛ ضریب جینی؛ تولید ناخالص داخلی؛ وقفه‎های توزیعی

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