参保密度、市场竞争与农业保险公司的成本费用

Insurance Participation Density,Market Competition and Cost Efficiency of Agricultural Insurance Company

基于2010-2019年全国各地区面板数据,运用门槛回归模型,考量不同市场竞争强度下参保密度对农业保险成本费用的影响。结果显示:参保密度对农业保险的成本费用具有显著影响,但是在市场竞争强度门槛变量下呈现出不同的影响方向,当市场竞争较弱时,参保密度对农业保险的成本费用具有显著负向影响;当市场竞争较强时,参保密度对农业保险的成本费用具有显著正向影响。因此,在参保密度提升的前提下,会使得地区的农业保险市场存在一个最优竞争强度。

Based on the panel data of various regions in China from 2010 to 2019,the threshold regression model was used to explore the impact of insurance participation density on agricultural insurance costs under different market competition intensities.The results show that the insurance participation density has a significant impact on the cost of agricultural insurance,but it presents a different direction of influence under the market competition intensity threshold variable.When the market competition is weak,the insurance participation density has a significant negative impact on the cost of agricultural insurance.When the market competition is strong,the insurance participation density has a significantly positive impact on the cost of agricultural insurance.Therefore,under the premise of increasing the insurance participation density,there will be an optimal competitive intensity in the regional agricultural insurance market.