保险赔付精准性的影响因素——基于种植业保险的分析  

Factors Affecting the Accuracy of Insurance Compensation——An Analysis Based on Planting Industry Insurance

作　　者：刘玮 孙丽兵 庹国柱[3,4] LIU Wei;SUN Li-bing;TUO Guo-zhu

机构地区：[1]南开大学金融学院风险管理与保险学系 [2]南开大学金融学院,天津300350 [3]首都经济贸易大学保险系 [4]首都经济贸易大学农村保险研究所

出　　处：《金融论坛》2022年第3期33-42,共10页Finance Forum

摘　　要：本文基于省级面板数据,实证检验中国种植业保险单位保费赔付额的影响因素和具体影响机制。结果表明:政府财政保费补贴资金效率和政府支农力度的提高大大促进了单位赔付的增加;财政支农资金的效率不仅对单位保费赔付额有直接的正向影响,而且通过影响受益率对单位保费赔付额产生间接影响;政府支农力度在受益率影响单位保费赔付额的过程中起到调节作用;地方政府以“投保人”身份参与农业保险,随着地方政府保费负担率上升,农业保险单位保费赔付额与当年实际灾害风险损失的偏差增大。Based on the provincial panel data,this paper empirically tests the factors and specific mechanisms affecting the unit premium compensation amount of Chinese planting industry insurance.The results show that the efficiency of government’s financial insurance premium subsidy funds and the improvement in government’s support for agriculture have greatly promoted the increase in unit compensation;the efficiency of financial support for agriculture not only has a direct positive impact on unit insurance premium compensation,but also indirectly affects the unit premium compensation amount by affecting benefit rate;the government’s support for agriculture plays a regulating role in the process of benefit rate affecting the unit premium compensation amount;if the local government participates in agricultural insurance as a“policy holder”,as the local government’s premium burden rate increases,the gap between the unit premium compensation amount of agricultural insurance and the actual disaster risk loss in the year will increase.

关 键 词：受益率 政府杠杆 地方政府保费负担率 赔付精准性 

分 类 号：F842.66[经济管理—保险] F326.1