【摘要】：本文利用2001—2013年省際面板數(shù)據(jù),基于四個維度刻畫車險市場發(fā)展并構建面板數(shù)據(jù)模型,從宏觀視角拓展研究中國經(jīng)濟增長、不同政策對車險市場發(fā)展的影響。實證研究結(jié)果顯示,經(jīng)濟增長、車險條款與費率市場化改革在車險市場發(fā)展中影響顯著,汽車限購對車險市場發(fā)展中市場波動影響較為顯著,但是對于車險保費收入、車險深度和密度尚沒有顯著的影響。政策含義在于,政府在制定車險業(yè)改革宏觀政策中應發(fā)揮綠色發(fā)展的導向作用,車險服務業(yè)應注重與社會經(jīng)濟協(xié)同發(fā)展,為助推綠色交通環(huán)境發(fā)展保駕護航。
[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.
【作者單位】： 天津理工大學管理學院;復旦大學經(jīng)濟學院;
【基金】：國家自然科學基金青年項目“駕駛行為對車險市場索賠的影響、風險評估與激勵策略研究(71603180)”、“基于相依結(jié)構的多元索賠準備金評估隨機性方法研究”(71401041)和“基于不完全信息和相依結(jié)構的最優(yōu)再保險策略研究(71601186)”的研究成果之一
【分類號】：F120;F124.1;F842.634

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