我国货运保险对现代物流业促进效用研究

Study on Modern Logistics Industry Promoting Effect of China's Cargo Insurance

随着我国物流业高速发展,物流保险中主要险种货运保险对现代物流业促进效用和实现路径等问题成为当前业界和学界关注的热点和焦点。本研究从保险的视角出发:首先,提出了货运保险对现代物流业促进效用的理论分析框架,货运保险通过发挥其风险转移和管理、经济补偿、降低运营成本、社会管理等四项基本功能实现对现代物流业的促进效用。第二,构建了货运保险促进现代物流业发展因果指标体系,借助结构方程建立了我国货运保险对现代物流业发展促进效用分析模型。第三,采集我国1997-2013年有关数据进行实证分析,结果表明:我国货运保险对现代物流业发展起着显著促进效用(载荷系数达到了0.888)。最后,对我国货运保险促进现代物流业发展提出了相应的对策建议。

With the rapid development of China’s logistics industry,the modern logistics industry promoting effect and ways of cargo insurance become a hot topic in China’s logistics industry and academia. From the perspective of cargo insurance,we first propose a theoretical framework for the modern logistics industry promoting ways of cargo insurance by bringing into play four basic functions,including risk transfer and management,financial compensation,operating costs reduction and social management. Secondly,the modern logistics industry promoting effect of cargo insurance causal indicator index is set up,and the modern logistics industry promoting effect of cargo insurance analytical model is built up by using structural equation model at the same time. Thirdly,using China’s data 1997- 2013,the empirical results show that： cargo insurance does play a significant role in promoting the modern logistics industry（ the load factor reached 0. 888）. Finally,we put forward the corresponding countermeasures for China’s cargo insurance to boost the modern logistics industry.