我国农业保险市场供给侧结构变动的门限效应分析

发布时间：2018-03-16 10:15

  本文选题：农业保险　切入点：保险市场　出处：《农业现代化研究》2017年05期 　论文类型：期刊论文

【摘要】：中国农业保险实施中央财政保费补贴以来,市场供给侧结构发生较大程度改变,探究农业保险市场供给侧结构的演变趋势和其市场发展的阶段性特征,有利于农业保险市场机制的完善。基于2007-2015年省际数据构建面板门限模型,分析农业保险市场供给侧结构变动与农业保险发展水平之间的非线性特征,探讨供给侧结构变动对农业保险发展的影响。结果表明,我国农业保险市场供给侧结构对农业保险发展存在非线性的双重门限效应,门限值将各个省份按市场结构类别划分为三种:市场集中度水平较低区域(≤0.784 1)、中等区域(0.784 1-0.982 7)、较高区域(≥0.982 7),其农业保险密度的增长系数分别为-0.448 4、-1.777 4、-32.142 9。而大部分省份农业保险市场供给侧结构整体上呈现市场集中度由高向低的变化趋势,表明市场供给侧结构变动即市场集中度下降促进了农业保险市场发展。因此,适度开放农业保险市场,增强经营主体的效率;开发满足不同类型农户保险需求的农业保险产品,促进农业保险业务多元化发展;加强农业保险市场的监管,促进有序竞争将是我国农业保险发展的方向。
[Abstract]:Since the implementation of the central financial premium subsidy, the supply-side structure of the agricultural insurance market in China has changed to a large extent. This paper explores the evolution trend of the supply-side structure of the agricultural insurance market and the stage characteristics of its market development. Based on the inter-provincial data from 2007 to 2015, the panel threshold model is constructed to analyze the nonlinear characteristics between the supply-side structure changes of the agricultural insurance market and the level of agricultural insurance development. The effects of supply-side structure changes on the development of agricultural insurance are discussed. The results show that the supply-side structure of agricultural insurance market has a nonlinear double threshold effect on the development of agricultural insurance. The threshold value divides each province into three kinds according to the market structure category: the low level of market concentration (鈮，

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