制度环境对中国责任保险发展的影响研究

发布时间：2018-05-26 18:01

本文选题：制度环境 + 风险　；参考：《广西大学》2017年硕士论文

【摘要】：随着市场化进程的深化,制度环境随之发生改变,同时由于法律、规则等的变化会增加民事责任风险,中国侵权损害赔偿制度的问题日益显现,而责任保险对解决该问题至关重要。同时责任保险对经济和法律环境等的改变较为敏感,虽然各地区遵循相同的法律法规,但各地的一些习惯、政策和执法效率存在差异,导致各地区制度环境存在一定的差异。因此,制度环境的差异是否会影响责任保险的发展,以及如何营造一个良好的制度环境,从而促进责任保险发展是事关社会经济发展的重要问题。本文首先梳理了制度环境、责任保险、制度环境对保险市场影响的相关文献,界定制度环境及责任保险的概念。对责任保险发展所处的制度环境,以及中国责任保险发展的状况进行了分析,并阐述了英美两国的责任保险发展及其制度环境和对中国的启示。在实证部分,本文建立了多元回归模型,采用混合效应和系统GMM估计方法,使用2001-2014年省级层面的面板数据,从经济环境、法律环境、监管环境三个角度对制度环境影响责任保险的发展进行实证研究。实证结果表明,市场化进程的深化,监管环境的改善,特别是法律环境的改善对责任保险的发展有显著的正向影响,即制度环境的改善能够促进责任保险的发展。最后根据研究结论并结合实际,从经济环境、法律环境和监管环境方面,提出改善责任保险发展的制度环境的建议。
[Abstract]:With the deepening of the marketization process, the institutional environment has changed. At the same time, due to the change of law and rules, the risk of civil liability will be increased, and the problem of tort compensation system in China is becoming increasingly apparent. Liability insurance is essential to solve this problem. At the same time, liability insurance is more sensitive to the change of economic and legal environment. Although different regions follow the same laws and regulations, there are differences in some habits, policies and law enforcement efficiency in different regions, which leads to some differences in the institutional environment of different regions. Therefore, whether the difference of institutional environment will affect the development of liability insurance and how to create a good institutional environment to promote the development of liability insurance is an important issue of social and economic development. This paper firstly combs the relevant literature about the institutional environment, liability insurance and institutional environment on the insurance market, and defines the institutional environment and the concept of liability insurance. This paper analyzes the institutional environment of the development of liability insurance and the status of the development of liability insurance in China, and expounds the development and institutional environment of liability insurance in the United States and the United States, as well as its implications for China. In the empirical part, this paper establishes the multivariate regression model, using mixed effect and systematic GMM estimation method, using the panel data of provincial level from 2001 to 2014, from the economic environment, the legal environment, This paper makes an empirical study on the development of institutional environmental impact liability insurance from three perspectives of regulatory environment. The empirical results show that the deepening of the marketization process and the improvement of the regulatory environment, especially the improvement of the legal environment, have a significant positive impact on the development of liability insurance, that is, the improvement of the institutional environment can promote the development of the liability insurance. Finally, according to the conclusion of the research and combining with the practice, the paper puts forward some suggestions on improving the institutional environment of the development of liability insurance from the aspects of economic environment, legal environment and regulatory environment.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.69

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