我国保险公司农业保险有效供给不足的效率视角解释--基于DEA-非期望产出模型

An Analysis of Agricultural Insurance Operating Efficiency Based on DEAModel with Undesirable Output

文章从系统性风险、供给激励、经营成本控制等视角分析保险公司农险产品有效供给不足的成因。结论表明,农险业务较低的经营效率直接导致农险产品有效供给不足,从而无法实现农业风险保障水平的充足;表现为农险市场农险产品供给与需求结构的错配,而效率视角可以实现在实证框架下对农业保险经营低效率的现实的论证,进而实现在一个包含非意愿产出的DEA实证框架中分析影响与决定保险公司农险经营效率的真实作用机制,从而实现在供给层面为政策性农险的有效供给不足提供了实证依据。

This paper analyzes the causes of insufficient effective supply of agricultural insurance products from the perspectives of systematic risk,supply incentive and operation cost control.The conclusion shows that insurance companies are faced with operating difficulties such as low premium income,high compensation probability and huge compensation pressure in plating insurance operation.This is an important reason for insurance companies to show operational inertia in agricultural insurance.Efficiency perspective can realize the demonstration of the low efficiency of agricultural insurance operation under the empirical framework.And the real mechanism is analyzed in a DEA model with undesirable outputs.