电梯责任保险对电梯公共安全管理的影响——基于双重差分模型的实证  

Research on the Impact of Elevator Liability Insurance on Elevator Public Safety Management--An Empirical Study Based on The Difference-in-Differences Model

作　　者：丁日佳[1] 田铮 DING Rijia;TIAN Zheng(School of Management,China University of Mining&Technology(Beijing),Beijing 100083,China)

机构地区：[1]中国矿业大学(北京)管理学院,北京100083

出　　处：《经济经纬》2020年第5期169-176,共8页Economic Survey

基　　金：国家重点研发计划课题(2017YFC0805705)。

摘　　要：基于2010-2018年中国省域电梯安全事故发生率和责任保险保费、赔付金额面板数据,采用双重差分模型,就电梯责任保险对电梯公共安全管理的影响进行统计分析。实证结果表明:电梯责任保险在公共安全中具备事前风险防范、事中风险控制和事后理赔服务的专业优势,电梯责任保险的健康发展需要在公共安全管理部门引导下提高其普及度和覆盖率,同时保险公司要积极参与试点,扩大承保规模、积累经验数据,完善电梯责任保险的责任划分和定价机制。Elevator liability insurance is an important starting point for elevator safety management.Based on the panel data on elevator accident rates,liability insurance premiums,and payment amounts for 31 provinces(municipalities,autonomous regions)in China from 2010 to 2018,this paper conducts statistical analysis on the impact of elevator liability insurance on the incidence of elevator safety accidents and the rate of liability insurance compensation using the difference-in-differences model since the launch of the insurance pilot zone.The study found that the implementation of elevator liability insurance has no statistically significant impact on the incidence of elevator safety accidents;the market supervision mechanism based on the inability of insurance companies to exert their industry advantages such as“information collection,contract design,and actuarial technology”will be accompanied by problems of corporate moral hazard.But the practical significance of the research in this article shows that the elevator liability insurance has the professional advantages of pre-risk prevention,in-risk risk control and after-sales compensation services in public safety.The healthy development of elevator liability insurance needs to increase its popularity and coverage under the guidance of public safety management departments;meanwhile,it requires insurance companies to actively participate in the pilot,expand the scale of underwriting,accumulate experience data,and improve the responsibility division and pricing mechanism of elevator liability insurance.

关 键 词：电梯安全 电梯责任保险 社会治理 双重差分模型 

分 类 号：F842.0[经济管理—保险]