基于部分保险假说的居民风险分担能力实证研究

发布时间：2018-03-18 00:27

本文选题：居民风险分担能力　切入点：部分保险假说　出处：《保险研究》2017年03期 　论文类型：期刊论文

【摘要】：居民风险分担能力是衡量一国社会保障体系完善程度、金融市场运行效率以及国民经济发展程度的重要指标。我国居民发生风险事故后,个人支出比率远高于国际推荐标准,说明风险分担能力较弱。依据2000至2011年中国健康与营养调查数据,本文筛选出具有代表性的1398个观测样本,基于部分保险假说测算了居民风险分担能力。结果表明,34%永久收入冲击与44%暂时性收入冲击得到了风险分担。因此,应当按照《国务院关于加快发展现代保险服务业的若干意见》所提出的"构筑保险民生保障网,完善多层次社会保障体系",努力提升我国居民的风险分担能力。
[Abstract]:The residents' risk-sharing ability is an important index to measure the perfection of a country's social security system, the efficiency of the financial market and the development of the national economy. According to the data of China Health and Nutrition Survey from 2000 to 2011, 1398 representative observation samples were selected. Based on the partial insurance hypothesis, the risk sharing capacity of residents is estimated. The results show that 34% permanent income shock and 44% temporary income shock are risk-sharing. According to the opinions of the State Council on speeding up the development of modern insurance service industry, we should build up the insurance network and perfect the multi-level social security system, and try our best to enhance the risk-sharing ability of the residents in our country.
【作者单位】：中国出口信用保险公司;
【基金】：国家社科基金重点项目“风险管理与公司价值的关系研究”(项目批准号:11AJY014) 北京市教委共建项目“北京市公共安全风险管理机制研究”
【分类号】：F842

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