Data for economic and demographic determinants of premium reserve in the Western Balkans

All data are expressed as a percentage, except for GDP per capita, net wages, total population, life expectancy, expected years of education, average years of schooling, life and non-life premium, total premium, bank deposits, financial assets and deposits of insurance companies, which are expressed in absolute terms.

Source of data:

Data on Life and Non-life premium, Total (gross) premium, Premium reserve data, Financial assets and Deposits of insurance companies are collected from the official reports of insurance supervision agencies: Insurance Supervision Agency in Montenegro (http://www.ano.me/en/), Croatian Financial Services Supervisory Agency (https://www.hanfa.hr/en/), National Bank of Serbia (https://www.nbs.rs/internet/english/, Insurance Supervision Agency of North Macedonia (http://aso.mk/en/?lang=en) and Financial Supervisory Authority in Albania (https://amf.gov.al/).

The economic indicators for the observed Western Balkan countries (GDP per capita, unemployment rate, inflation rate, net earnings and average effective deposit interest rate) are taken from the website Eurostat (https://ec.europa.eu/eurostat) and Statista (https://www.statista.com/) 

All demographic indicators, except for the expected and average years of schooling and education index, were collected from the Eurostat and UNDP database (https://ec.europa.eu/eurostat/data/database;  http://hdr.undp.org/en/countries/profiles/ ).

Data on expected and average school years were taken from the UNESCO Institute for Statistics (http://uis.unesco.org) , while the education index was obtained as a result of a calculation based on a formula published on the UNDP website (http://hdr.undp.org/en/content/education-index).

Data on bond yield were collected from the website of European Commission (https://ec.europa.eu/), i.e. from EC reports - EU Candidate Countries’ & Potential Candidates’ Economic Quarterly (CCEQ), except two data for Serbia (2006 and 2007) which were estimated by Makima extrapolation.

Bank deposits data are taken from the official reports of banks' regulatory institutions: Central bank of Montenegro (https://www.cbcg.me/en), National bank of Serbia (https://www.nbs.rs/en/indeks/), Croatian National bank (https://www.hnb.hr/en/home), National bank of the Republic of North Macedonia (https://www.nbrm.mk/pocetna-en.nspx); Bank of Albania (https://www.bankofalbania.org/home/)

Description of columns:

f1-GDPper capita; f2- Unemployment (%); f3-Inflation rate (%); f4- Net Wages €; f5- Deposit rate (%); f6- Population; f7- Female (%); f8- Population <15 (%); f9- Population 15-64 (%); f10- Dep old (%); f11- Dep young (%); f12- Urban population (%); f13-Life exp. (years); f14- Preschool enroll rate (%); f15- Elem school enroll rate (%); f16-High school enroll rate (%); f17- University enroll rate (%); f18- Expected years of schooling; f19- Avg. years of schooling; f20- Education Index (%); f21- Fertility rate (number of children to a woman); f22- Birth rate (per 1000 inhabitants); f23- Health costs (% GDP); f24-premium reserve per GDP, 

 i1- life premium €; i2- non-life premium €; i3- total premium €; i4- bond yield (%); i5a- bank deposits ( national currency); i5b- bank deposits €; i6a-financial assets in insurance (national currency); i6b- financial assets in insurance €; i7a- deposits of insurers (national currency); i7b –deposit of insurers €

本数据集除人均国内生产总值（GDP per capita）、净工资、总人口、预期寿命、预期受教育年限、平均受教育年限、寿险与非寿险保费、总保费、银行存款、金融资产以及保险公司存款以绝对数值表示外，其余数据均以百分比形式呈现。

数据来源：
1. 寿险与非寿险保费、总（毛）保费、准备金数据、金融资产及保险公司存款数据，均取自以下保险监管机构的官方报告：黑山保险监督局（http://www.ano.me/en/）、克罗地亚金融服务监督局（https://www.hanfa.hr/en/）、塞尔维亚国家银行（https://www.nbs.rs/internet/english/）、北马其顿保险监督局（http://aso.mk/en/?lang=en）以及阿尔巴尼亚金融监督局（https://amf.gov.al/）。
2. 本次研究涉及的西巴尔干国家的经济指标（人均国内生产总值、失业率、通货膨胀率、净收入以及平均有效存款利率），均取自欧盟统计局（Eurostat，https://ec.europa.eu/eurostat）与Statista平台（https://www.statista.com/）。
3. 除预期受教育年限、平均受教育年限与教育指数外，其余人口统计指标均取自欧盟统计局（Eurostat）与联合国开发计划署（UNDP）数据库（https://ec.europa.eu/eurostat/data/database；http://hdr.undp.org/en/countries/profiles/）。
4. 预期受教育年限与平均受教育年限数据取自联合国教科文组织统计研究所（UNESCO Institute for Statistics，http://uis.unesco.org），而教育指数则基于联合国开发计划署（UNDP）官网发布的计算公式计算得到（http://hdr.undp.org/en/content/education-index）。
5. 债券收益率数据取自欧盟委员会（European Commission，https://ec.europa.eu/）发布的报告——《欧盟候选国与潜在候选国经济季刊》（CCEQ），仅塞尔维亚2006年与2007年的两项数据采用马基马（Makima）外推法估算得到。
6. 银行存款数据取自以下银行监管机构的官方报告：黑山中央银行（https://www.cbcg.me/en）、塞尔维亚国家银行（https://www.nbs.rs/en/indeks/）、克罗地亚国家银行（https://www.hnb.hr/en/home）、北马其顿共和国国家银行（https://www.nbrm.mk/pocetna-en.nspx）以及阿尔巴尼亚银行（https://www.bankofalbania.org/home/）。

字段说明：
f1：人均国内生产总值（GDP per capita）；f2：失业率（%）；f3：通货膨胀率（%）；f4：净工资（欧元）；f5：存款利率（%）；f6：总人口；f7：女性人口占比（%）；f8：15岁以下人口占比（%）；f9：15-64岁人口占比（%）；f10：老年抚养比（%）；f11：少儿抚养比（%）；f12：城镇人口占比（%）；f13：预期寿命（年）；f14：学前教育入学率（%）；f15：小学入学率（%）；f16：高中入学率（%）；f17：大学入学率（%）；f18：预期受教育年限；f19：平均受教育年限；f20：教育指数（%）；f21：生育率（每名妇女活产子女数）；f22：出生率（每千名居民）；f23：卫生费用占GDP比重（%）；f24：保费准备金占GDP比重；
i1：寿险保费（欧元）；i2：非寿险保费（欧元）；i3：总保费（欧元）；i4：债券收益率（%）；i5a：银行存款（本币）；i5b：银行存款（欧元）；i6a：保险金融资产（本币）；i6b：保险金融资产（欧元）；i7a：保险公司存款（本币）；i7b：保险公司存款（欧元）