發(fā)布時間：2018-09-11 10:32

【摘要】：本文使用退保率和傳統(tǒng)壽險占比、新單占比并基于DEA窗口分析法構建的效率指數(shù),分別量化了壽險業(yè)質(zhì)量、動能、效率三個供給側因素,為度量保險業(yè)供給側改革提供了一個計量框架。實證研究表明,提高壽險供給質(zhì)量、動能和效率可以顯著促進壽險消費。此外,本文通過直線距離和鐵路距離空間權重矩陣的應用,改進了空間自相關模型,使得模型系數(shù)的估計精度得到顯著提高,并證實了壽險消費存在顯著的省際空間相關效應。
[Abstract]:In this paper, three supply-side factors of life insurance quality, kinetic energy and efficiency are quantified by using the yield rate, the traditional life insurance ratio, the new single-occupancy ratio and the efficiency index based on the DEA window analysis method. It provides a measurement framework for measuring the supply-side reform of the insurance industry. Empirical research shows that life insurance consumption can be significantly promoted by improving life insurance supply quality, kinetic energy and efficiency. In addition, through the application of linear distance and railway distance spatial weight matrix, the spatial autocorrelation model is improved, and the estimation accuracy of the model coefficient is improved significantly, and it is proved that there is a significant inter-provincial spatial correlation effect in life insurance consumption.
【作者單位】： 北京大學經(jīng)濟學院;石河子大學商學院;
【基金】：國家社會科學基金重大項目(13&ZD042) 教育部哲學社會科學重大攻關項目(14JZD027)的支持
【分類號】：F842.62
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本文編號：2236441