指数构建和保险行业数字化转型的应用:来自中国的证据
Mengqi Liu1, Han Yang2, Shuxin Zheng1
1School of Finance, Southwestern University of Finance and Economics, Chengdu, Sichuan, China.
PloS one
|January 18, 2024
概括
中国的保险行业显示了数字化转型 (DTII) 的快速增长,平均每年20.46%. 这种数字转变,特别是在人寿保险和东部地区,突显了区域趋同和空间效应.
科学领域:
- 数字化转型 数字化转型
- 保险行业 保险行业 保险行业 保险行业
- 计量经济学 计量经济学
背景情况:
- 数字化正在显著改变保险行业的价值链.
- 关于在保险行业内理解和衡量数字化转型的研究有限.
- 需要一个标准化的指数系统来评估保险业的数字化转型.
研究的目的:
- 为保险行业的数字化转型 (DTII) 构建一个全面的指数系统.
- 从经验上测量和分析2014年至2020年中国的DTII.
- 调查DTII的区域趋同和空间影响.
主要方法:
- 保险行业数字化转型指数系统 (DTII) 的发展,包括数字基础设施,平台和应用程序.
- 应用重量,分析层次过程和最小相对方法来测量指标重量.
- 使用来自中国31个省份的数据进行实证分析.
主要成果:
- 中国的DTII表现出快速增长,在2014年至2020年期间平均年增长20.46%.
- 在中国各地观察到DTII的显著区域趋同.
- 空间聚集和DTII的影响主要出现在人寿保险行业和东部地区.
结论:
- 该研究提供了一个强大的指数系统,用于评估保险行业的数字化转型.
- 经验证据证实了中国的DTII快速发展和地区差异.
- 调查结果为促进保险行业可持续数字化发展提供了政策见解.
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