责任保险发展中的政府支持效应——基于省级面板数据的经验分析

近年来,我国的责任保险实现了快速的增长,其中政府的支持作用功不可没。然而,现有研究却很少对这一影响进行实证考察。本文根据2011-2015年的省级面板数据,探究了政府支持对责任保险发展的支持效应,结果表明,政府的政策支持和财政支出均对责任险发展具有显著的促进作用。此外,本文还发现保险经纪公司对责任保险的发展也起着不可忽视的作用。

In recent years, China＇s liability insurance has the government is indispensable. However, unfortunately, achieved rapid growth, and the support of there is little empirical research on this effect. This paper, according to the provincial panel data from 2011 to 2015 and specific to the influence factors of the development of liability insurance, sets up an econometric model and explores the incentive effect of government support. The results show that the government＇s financial and policy support has a significant role in promoting the development of liability insurance, and that the insurance broker is pla ying an important role as well.