生命保险市场的发展和发展中国家的银行稳定性
1Faculty of Finance and Banking, Ho Chi Minh City Open University, Ho Chi Minh City, Viet Nam.
Heliyon
|October 9, 2024
概括
更大的生命保险市场提高了发展中国家的银行稳定性. 然而,生命保险市场的快速增长可能会对银行稳定产生负面影响,这表明需要平衡发展.
科学领域:
- 经济学 经济学 经济学
- 金融市场 金融市场
- 发展研究 发展研究 研究
背景情况:
- 发展中国家的生命保险市场正在经历显著增长.
- 银行业和保险业之间日益加强的合作是关键趋势.
- 确保金融市场的稳定对于经济发展至关重要.
研究的目的:
- 检查生命保险市场发展对发展中国家银行稳定性的影响.
- 区分生命保险市场规模与增长对银行稳定的影响.
- 为可持续的金融部门发展提供政策建议.
主要方法:
- 利用了来自108个发展中国家的面板数据,涵盖了2012-2020年的时间.
- 采用了计量经济学技术,特别是固定效应和系统通用时刻方法 (GMM).
- 分析了人寿保险市场规模,增长和国家一级银行稳定性之间的关系.
主要成果:
- 更大的生命保险市场规模与增加的银行稳定性有关.
- 生命保险市场的增长表现出与银行稳定的反向U形关系.
- 快速增长阶段可能对发展中国家的银行稳定性构成风险.
结论:
- 生命保险市场的扩张可以促进银行稳定,但需要谨慎管理.
- 政策制定者应该鼓励生命保险市场的稳定而不是快速扩张.
- 调查结果为在不断变化的保险行业中维护金融稳定提供了关键的见解.
相关概念视频
Applications of Life Tables
50
Life tables are versatile across various fields, providing a quantitative basis for analyzing mortality and survival rates. Whether used by demographers, actuaries, epidemiologists, or sociologists, life tables offer valuable insights into the dynamics of life and death, facilitating informed decisions in public health, insurance, conservation, and beyond. Their broad applicability highlights the interconnectedness of demographic data with practical outcomes in everyday life and strategic...
50
Life Tables
79
A life table is a statistical tool that summarizes the mortality and survival patterns of a population, providing detailed insights into the likelihood of survival or death across different age intervals within a cohort. By organizing data on survival probabilities and mortality rates, life tables offer a clear snapshot of population dynamics over time. They are extensively used in demography, public health, actuarial science, and ecology to analyze life expectancy, design health interventions,...
79
Actuarial Approach
63
The actuarial approach, a statistical method originally developed for life insurance risk assessment, is widely used to calculate survival rates in clinical and population studies. This method accounts for participants lost to follow-up or those who die from causes unrelated to the study, ensuring a more accurate representation of survival probabilities.
Consider the example of a high-risk surgical procedure with significant early-stage mortality. A two-year clinical study is conducted,...
Consider the example of a high-risk surgical procedure with significant early-stage mortality. A two-year clinical study is conducted,...
63
Methods Of Healthcare Delivery System
3.2K
At the different levels of the healthcare system, we see varying methods of healthcare used. These methods include managed care systems, case management, and primary healthcare.
Managed Care System:
The managed care system is designed to control the cost while maintaining the quality of care. The patient's care from admission to discharge is planned by the primary care provider or the case manager, also known as the gatekeeper. In a managed care system, the number of care providers is...
Managed Care System:
The managed care system is designed to control the cost while maintaining the quality of care. The patient's care from admission to discharge is planned by the primary care provider or the case manager, also known as the gatekeeper. In a managed care system, the number of care providers is...
3.2K
Introduction to Developmental Psychology
216
Developmental psychology explores the changes and continuities in human abilities throughout life, encompassing physical, cognitive, linguistic, and social dimensions. Human development is not restricted to growth, but includes aspects of decline, particularly in physical abilities as individuals age. Developmental psychologists seek to understand how people change as they age and how their mental and social skills evolve.
Developmental Milestones
A key concept in developmental psychology is...
Developmental Milestones
A key concept in developmental psychology is...
216
Life Histories
17.8K
Overview
17.8K


