A Study on the Impact of Digital Economy on the Insurance Resilience of Chinese Regions

随着数字中国建设进程的加快，数字经济已成为热点话题。聚焦数字经济能否促进保险业升级，进而提升保险韧性具有深刻的现实意义。以2013~2022年30个省市的面板数据为样本，运用双向固定效应模型及空间杜宾模型实证探究数字经济对区域保险韧性的影响规律。结果表明：数字经济发展对保险韧性表现出积极的推动作用，且具有显著空间溢出效应。因此，各地区应立足自身发展，制定数字化发展战略，更好地发挥数字经济在保险业中的深化作用。With the acceleration of Digital China’s construction, the digital economy has become a hot topic. Focusing on whether the digital economy can promote the upgrading of the insurance industry and thereby enhance insurance resilience holds profound practical significance. Using panel data from 30 provinces and cities from 2013 to 2022, this study empirically investigates the impact of the digital economy on regional insurance resilience through a two-way fixed-effects model and a spatial Durbin model. The results show that the development of the digital economy has a positive role in promoting insurance resilience and exhibits significant spatial spillover effects. Therefore, regions should base themselves on their own development, formulate digital development strategies, and better leverage the deepening role of the digital economy in the insurance industry.