财经理论与实践2025，Vol.46Issue(5)：43-51,9.DOI:10.16339/j.cnki.hdxbcjb.2025.05.006
保险数字化转型提高了城市经济韧性吗?
Do Digital Transformation of Insurance Improve Urban Economic Resilience?
摘要
Abstract
Using web scraping technology to acquire over one million pieces of news text relat-ed to insurance companies undergoing digital transformation,and innovatively constructing an in-surance digital transformation index at the prefecture level city level.The study analyzed panel data from 278 cities of prefecture level and above in China from 2010 to 2022 to explore the impact of insurance digital transformation on urban economic resilience.The findings reveal that insur-ance digital transformation can significantly improve urban economic resilience.Heterogeneity a-nalysis indicates that the improvement effect of insurance digital transformation on urban econom-ic resilience is more significant in cities with high population density,non-resource-based cities,and cities in the central and western regions.Mechanism analysis shows that the insurance digital transformation enhances urban economic resilience through extending city carrying capacity effects,economic efficiency effects,and social risk management.Therefore,insurance digital transformation should be accelerated,and regional economic cooperation mechanisms should be strengthened to promote overall improvement of national economic resilience.关键词
保险数字化转型/城市经济韧性/保险功能Key words
insurance digital transformation/urban economic resilience/insurance functions分类
管理科学引用本文复制引用
杨甜婕,李浩然,王一君..保险数字化转型提高了城市经济韧性吗?[J].财经理论与实践,2025,46(5):43-51,9.基金项目
教育部人文社会科学青年项目(23YJC910008) （23YJC910008）
中国博士后科学基金第75批面上资助项目(2024M750750) （2024M750750）
