农村寿险组织制度创新的经济保障  

On the Economic Guarantee of Life Insurance Organizational System Innovation

作　　者：郑军[1] 郭晓晴 ZHENG Jun;GUO Xiao-qing(Financial School,Anhui University of Finance and Economics,Bengbu 233030,China)

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233030

出　　处：《华南农业大学学报（社会科学版）》2022年第1期81-92,共12页Journal of South China Agricultural University(Social Science Edition)

基　　金：安徽省社会科学创新发展研究课题(2020CX154)。

摘　　要：构建包含农村寿险组织制度创新、农村居民收入和农村社会保障水平的道格拉斯生产函数模型与理论分析框架,系统诠释寿险组织制度创新对乡村组织振兴的作用渠道与影响效应;通过建立面板模型实证考察农村寿险组织制度创新对农村居民收入和农村社会保障水平的作用效果。结果显示:农村寿险组织制度创新能对乡村组织振兴的经济及保障层面有正向影响。农村寿险组织协调创新通过作用于组织运行效率,使制度创新具有持续性。制度创新带来了资本与技术利用效率的提升,并降低了寿险组织的经营成本,使得居民收入和社会保障水平增加,因此促进了乡村组织振兴;尽管制度创新对收入和保障都呈现正相关,但其对前者的影响明显大于后者;制度创新对乡村振兴的正向影响从东到西呈递减势态。Firstly, this paper constructs a Douglas’ s production function model and theoretical analysis framework, which includes rural life insurance organizational system innovation, rural residents;income and rural social security level, the system annotation life insurance organization system innovation to the village organization revitalization function channel and the influence effect;Secondly, through the establishment of panel model empirically studies the rural life insurance organization system innovation on rural income and rural social security level. The results show that the institutional innovation of rural life insurance organizations is an important driving force to promote the revitalization of rural organizations. The coordinated innovation of rural life insurance organizations can make the system innovation sustainable through its effect on the efficiency of organization operation. Institutional innovation brings about the improvement of the efficiency of capital and technology utilization, reduces the operating cost of life insurance organizations, increases the income of residents and the level of social security, and promotes the revitalization of rural organizations. Although institutional innovation is positively related to income and security, its impact on the former is obviously greater than that on the latter, and the positive impact of institutional innovation on rural revitalization is decreasing from east to west.

关 键 词：乡村振兴 农村寿险 制度创新 农村社会保障 居民收入 

分 类 号：F323.89[经济管理—产业经济]