我国财产保险公司再保险需求的影响因素分析——基于面板数据的实证研究

本文简要讨论了我国财产保险公司再保险需求的影响因素,通过搜集我国20家财险公司的实际数据,并采用2010-2016年的面板数据建立固定效应模型,然后利用逐步回归的方法构建模型,研究影响我国财险公司再保险需求的主要因素。结果表明:我国财险公司再保险需求与规模、资本结构呈正相关关系;与业务杠杆和业务集中呈负相关关系;税收和赔付率等因素对我国财险公司的再保险需求影响不显著。

This article briefly discusses the influencing factors of the reinsurance demand of China＇s property insurance companies. A fixed-effect model is established by collecting the actual data of 20 property insurance companies in China and the panel data from 2010 to 2016. Then a stepwise regression model is built to study the main factors affecting the reinsurance demand of property and casualty companies in China. The results show that the reinsurance demand of property and casualty insurance companies in our country is positively correlated with the scale and capital structure; while it has a negative correlation with business leverage and business concentration; taxation and loss ratio factors have no significant effect on the reinsurance demand of property and casualty insurance companies in China.