| 地方政府干预视角下农业保险公司的双重经营压力分析 |
 点此下载全文 |
| 引用本文：陈盛伟1，魏 超2.地方政府干预视角下农业保险公司的双重经营压力分析[J].财经理论与实践,2024,(2):40-47 |
| 摘要点击次数: 939 |
| 全文下载次数: 3 |
|
|
| 中文摘要:基于2008—2020年31个省（区、市）的面板数据，运用固定效应、门槛回归等模型，从业务理赔、成本费用双重维度，定量评估地方政府干预对农险业务经营的影响。结果显示：地方政府干预显著提高了农险业务的简单赔付率和综合费用率，造成了农险公司的双重经营压力。进一步研究发现，当参保密度跨过负向门槛值后，地方政府干预造成的农险赔付压力显著减弱。鉴于此，应通过划定地方政府干预红线、加快科技赋能农业保险等措施，促进农险公司科学、自主经营。 |
| 中文关键词:农业保险 地方政府干预 业务理赔 成本费用 |
| |
| Analysis of the Dual Operating Pressure of Agricultural Insurance Companies from the Perspective of Local Government Intervention |
|
|
| Abstract:Based on panel data from 31 provinces (districts, cities) from 2008 to 2020, using models such as fixed effects and threshold regression, this study quantitatively evaluates the impact of local government intervention on agricultural insurance business operations from the dual dimensions of business claims and cost expenses. The results show that local government intervention has significantly increased the simple payout rate and comprehensive expense rate of agricultural insurance business, causing dual operational pressure on agricultural insurance companies. Further research has found that when the participation density crosses the negative threshold, the pressure on agricultural insurance compensation caused by local government intervention significantly weakens. In view of this, measures such as setting red lines for local government intervention and accelerating technology empowerment of agricultural insurance should be taken to promote scientific and independent operation of agricultural insurance companies. |
| keywords:agricultural insurance local government intervention business claim cost expenses |
| 查看全文 查看/发表评论 下载pdf阅读器 |
