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英文文献：Enhancing ICT for Insurance in Africa-加强信息和通信技术在非洲的保险
英文文献作者：Simplice A. Asongu,Nicholas M. Odhiambo
英文文献摘要：
This study assesses how enhancing information and communication technology (ICT) affects life insurance and non-life insurance in a panel of forty-eight African countries with data for the period 2004-2014. The adopted ICT dynamics are: mobile phone penetration, internet penetration and fixed broadband subscriptions. The empirical evidence is based on Generalized Method of Moments. The results show that enhancing mobile phone penetration and fixed broadband subscriptions has a positive net effect on life insurance consumption while enhancing fixed broadband subscriptions also has a positive net impact of on non-life insurance penetration.
这项研究评估了增强信息和通信技术(ICT)对48个非洲国家人寿保险和非人寿保险的影响，这些国家拥有2004-2014年期间的数据。采用的ICT动态是:移动电话普及率、互联网普及率和固定宽带订阅。经验证据基于广义矩量法。结果表明，提高手机普及率和固定宽带订阅量对寿险消费有正向净影响，提高固定宽带订阅量对非寿险普及率也有正向净影响。
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