“独乐乐”还是“众乐乐”:政策性农业保险市场适度竞争的量化研究  

“Solo Joy”or“Shared Joy”:A Quantitative Study of Moderate Competition in the Policy-driven Agricultural Insurance Market

作　　者：魏腾达 穆月英[1] Wei Tengda;Mu Yueying

机构地区：[1]中国农业大学经济管理学院

出　　处：《金融经济学研究》2024年第5期22-37,共16页Financial Economics Research

基　　金：国家社会科学基金重大项目(18ZDA074);国家自然科学基金面上项目(72073132);现代农业产业技术体系北京市产业经济与政策创新团队项目(BAIC11-2023)。

摘　　要：基于2008—2019年省级面板数据,揭示农业保险市场适度竞争的量化特征。研究发现,在省级层面,农业保险市场竞争程度与农业保险发展水平呈显著的“倒U型”关系,拐点值出现在HHI指数等于0.5左右,表明省级最优的农业保险市场竞争程度偏于适度垄断;过度竞争和过度垄断分别通过增加保险机构经营管理费用、减少保险赔付影响农业保险发展;相比于欠发达地区,经济发展水平较高的省份可以接受相对更高的市场垄断程度。考虑到当前农业保险市场普遍存在寻租和“应收保费”问题,建议将县级农险招投标权上移至省级农业保险主管部门,并形成保费补贴资金直接拨付省级保险分公司的支付机制。Utilizing provincial panel data from 2008 to 2019,this study quantified the characteristics of moderate competition in the agricultural insurance market.The results reveal a significant“inverted U-shaped”relationship between the level of market competition and the development of agricultural insurance at the provincial level,with the turning point occurring at an HHI index of approximately 0.5.This finding indicates that the optimal level of competition in provincial agricultural insurance markets tends toward moderate monopolization.Excessive competition and over-monopolization detrimentally affect the development of agricultural insurance by increasing the operational and management costs of insurance institutions and reducing insurance payouts,respectively.Compared with less-developed areas,provinces with higher economic development levels can tolerate relatively higher degrees of market monopolization.Given the prevalent issues of rent-seeking and“due premiums”in the current agricultural insurance market,it is recommended that the authority for county-level agricultural insurance bidding be transferred to provincial agricultural insurance regulatory bodies.Additionally,a direct payment mechanism for premium subsidies to provincial insurance branches should be established.

关 键 词：农业保险 适度竞争 管理成本 保险赔付 非线性关系 

分 类 号：F842[经济管理—保险]