ナイジェリアにおける保険セクターの発展と二酸化炭素排出
Insurance Sector Development and Carbon Dioxide Emissions in Nigeria (原題)
Osariemen Irabor Omoruyi - Aigbovo, Omoruyi Aigbovo
🤖 gxceed AI 要約
日本語
ナイジェリアの2000〜2024年データを用い、保険セクター発展指標（保険浸透度・密度・保険料）がCO2排出に与える影響をARDL手法で分析した。保険料（GPR）は短期・長期ともにCO2排出を有意に削減する一方、浸透度と密度は有意な影響を示さなかった。経済成長とFDIも排出を有意に減少させた。グリーン保険商品や気候リスクの引受統合を政策提言している。
English
Using Nigerian annual data (2000-2024), this study applies ARDL to test how insurance sector development affects CO2 emissions. Insurance premium significantly reduces emissions in both short and long run, while penetration and density show no significant effect. Economic growth and FDI also significantly lower emissions. The authors recommend green insurance products and integrating climate risk into underwriting.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
日本のGX文脈では、保険会社が気候リスクを引受・投融資判断に統合する動き（TCFD対応、移行金融）と通底する。新興国での保険×脱炭素の実証例として、日本の保険・金融機関の海外展開やESG商品設計の参考になる。
In the global GX context
Adds emerging-market empirical evidence to the global debate on how financial institutions—here insurers—shape decarbonization, complementing TCFD/ISSB-driven expectations that insurers assess and disclose climate risk. It supports the case for green insurance and sustainability-linked underwriting as transition-finance instruments beyond developed markets.
👥 読者別の含意
🔬研究者:保険業発展と排出削減の因果経路を新興国データで検証する実証例として参照できる。
🏢実務担当者:保険会社がグリーン保険商品や気候リスク引受を事業機会として検討する根拠になりうる。
🏛政策担当者:保険規制・グリーンファイナンス政策を通じた脱炭素誘導の可能性を示唆する。
📄 Abstract（原文）
In this study, the effect of insurance sector development on carbon dioxide (CO2) emissions in Nigeria was investigated using annual data for the period 2000 to 2024. The primary objectives were to assess the impact of insurance sector development indicators [insurance penetration (IPE), insurance density (IDE) and insurance premium (GPR)] on CO2 emissions. Based on the fact that the variables used in the present study were integrated of 1(0) and I(1), the Autoregressive Distributed Lag (ARDL) technique was used to assess the effect of insurance sector development variables on CO2 emissions while the data were estimated with the aid of Eviews 9.0 econometric software. Findings revealed that insurance penetration (IPE) and insurance density (IDE) has no significant impact on CO2 emissions both in the short run and long run while Insurance premium (GPR) exerts a significant negative impact on CO2 emissions in both in the short run and long run. Also, in terms of the control variables, economic growth and FDI exerts a significant negative impact on CO2 emissions both in the short run and long run while renewable energy consumption (REC) failed the significant test both in the short run and long run. From the findings, this study concludes that insurance sector development plays a significant role in Nigeria's CO2 emission. This is demonstrated by Insurance premium (GPR) which exerts significant negative impact on CO2 emissions in both short and long run. The study recommends among others that insurers should explore more green products or sustainability-linked policies. In other words, policies that support green insurance initiatives and investments in low-carbon transition projects should be encouraged. Also, insurers should integrate climate risk assessments into underwriting. Keywords: Carbon emissions, Green insurance, insurance density, Insurance penetration, ARDL
🔗 Provenance — このレコードを発見したソース
- openalex https://doi.org/10.58709/niujms.v12i3.2720first seen 2026-10-02 04:55:01
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