经济增长、宏观政策对中国车险市场发展的影响研究
发布时间：2019-03-16 17:51
【摘要】：本文利用2001—2013年省际面板数据,基于四个维度刻画车险市场发展并构建面板数据模型,从宏观视角拓展研究中国经济增长、不同政策对车险市场发展的影响。实证研究结果显示,经济增长、车险条款与费率市场化改革在车险市场发展中影响显著,汽车限购对车险市场发展中市场波动影响较为显著,但是对于车险保费收入、车险深度和密度尚没有显著的影响。政策含义在于,政府在制定车险业改革宏观政策中应发挥绿色发展的导向作用,车险服务业应注重与社会经济协同发展,为助推绿色交通环境发展保驾护航。
[Abstract]:Based on the inter-provincial panel data from 2001 to 2013, this paper describes the development of automobile insurance market and constructs a panel data model based on four dimensions. From the macro perspective, this paper studies the economic growth of China and the impact of different policies on the development of automobile insurance market. The results of empirical research show that the economic growth, the market-oriented reform of car insurance terms and rates have a significant impact on the development of the car insurance market, and the car purchase restriction has a significant impact on the market fluctuation in the development of the car insurance market, but for the premium income of the car insurance, There is no significant effect on the depth and density of vehicle insurance. The policy implication lies in that the government should play the guiding role of green development in formulating macro-policy of automobile insurance industry reform, and the automobile insurance service industry should pay attention to the coordinated development with social economy, so as to help promote the development of green traffic environment.
【作者单位】： 天津理工大学管理学院;复旦大学经济学院;
【基金】：国家自然科学基金青年项目“驾驶行为对车险市场索赔的影响、风险评估与激励策略研究(71603180)”、“基于相依结构的多元索赔准备金评估随机性方法研究”(71401041)和“基于不完全信息和相依结构的最优再保险策略研究(71601186)”的研究成果之一
【分类号】：F120;F124.1;F842.634
本文编号：2441832
[Abstract]:Based on the inter-provincial panel data from 2001 to 2013, this paper describes the development of automobile insurance market and constructs a panel data model based on four dimensions. From the macro perspective, this paper studies the economic growth of China and the impact of different policies on the development of automobile insurance market. The results of empirical research show that the economic growth, the market-oriented reform of car insurance terms and rates have a significant impact on the development of the car insurance market, and the car purchase restriction has a significant impact on the market fluctuation in the development of the car insurance market, but for the premium income of the car insurance, There is no significant effect on the depth and density of vehicle insurance. The policy implication lies in that the government should play the guiding role of green development in formulating macro-policy of automobile insurance industry reform, and the automobile insurance service industry should pay attention to the coordinated development with social economy, so as to help promote the development of green traffic environment.
【作者单位】： 天津理工大学管理学院;复旦大学经济学院;
【基金】：国家自然科学基金青年项目“驾驶行为对车险市场索赔的影响、风险评估与激励策略研究(71603180)”、“基于相依结构的多元索赔准备金评估随机性方法研究”(71401041)和“基于不完全信息和相依结构的最优再保险策略研究(71601186)”的研究成果之一
【分类号】：F120;F124.1;F842.634
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