寿险供给侧指标对寿险消费的影响——基于寿险供给质量、动能和效率的视角
发布时间：2018-09-11 10:32
【摘要】：本文使用退保率和传统寿险占比、新单占比并基于DEA窗口分析法构建的效率指数,分别量化了寿险业质量、动能、效率三个供给侧因素,为度量保险业供给侧改革提供了一个计量框架。实证研究表明,提高寿险供给质量、动能和效率可以显著促进寿险消费。此外,本文通过直线距离和铁路距离空间权重矩阵的应用,改进了空间自相关模型,使得模型系数的估计精度得到显著提高,并证实了寿险消费存在显著的省际空间相关效应。
[Abstract]:In this paper, three supply-side factors of life insurance quality, kinetic energy and efficiency are quantified by using the yield rate, the traditional life insurance ratio, the new single-occupancy ratio and the efficiency index based on the DEA window analysis method. It provides a measurement framework for measuring the supply-side reform of the insurance industry. Empirical research shows that life insurance consumption can be significantly promoted by improving life insurance supply quality, kinetic energy and efficiency. In addition, through the application of linear distance and railway distance spatial weight matrix, the spatial autocorrelation model is improved, and the estimation accuracy of the model coefficient is improved significantly, and it is proved that there is a significant inter-provincial spatial correlation effect in life insurance consumption.
【作者单位】： 北京大学经济学院;石河子大学商学院;
【基金】：国家社会科学基金重大项目(13&ZD042) 教育部哲学社会科学重大攻关项目(14JZD027)的支持
【分类号】：F842.62
，
本文编号：2236441
[Abstract]:In this paper, three supply-side factors of life insurance quality, kinetic energy and efficiency are quantified by using the yield rate, the traditional life insurance ratio, the new single-occupancy ratio and the efficiency index based on the DEA window analysis method. It provides a measurement framework for measuring the supply-side reform of the insurance industry. Empirical research shows that life insurance consumption can be significantly promoted by improving life insurance supply quality, kinetic energy and efficiency. In addition, through the application of linear distance and railway distance spatial weight matrix, the spatial autocorrelation model is improved, and the estimation accuracy of the model coefficient is improved significantly, and it is proved that there is a significant inter-provincial spatial correlation effect in life insurance consumption.
【作者单位】： 北京大学经济学院;石河子大学商学院;
【基金】：国家社会科学基金重大项目(13&ZD042) 教育部哲学社会科学重大攻关项目(14JZD027)的支持
【分类号】：F842.62
，
本文编号：2236441
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2236441.html
