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制度质量对保险业的影响研究

发布时间:2019-01-11 11:30
【摘要】:本文采用2006~2014年跨国面板数据,考察了制度质量对保费收入规模的影响。研究表明,制度质量改善对扩大保费收入规模有显著的促进作用,对发展中经济体的影响尤为明显;在制度质量一级指标中,公共制度质量对保费收入的影响超过企业制度质量,在二级指标中,产权保护制度的改善对保费收入的促进作用最强;我国制度环境在道德规范与抑制腐败方面较差,规范社会道德和反腐败成为促进我国保险业发展的制度改革首要任务。本文结论意味着,为促进我国保险业健康发展,我国制度改革的重点在于完善公共制度,尤其是在规范社会道德与抑制腐败等方面。
[Abstract]:This paper investigates the effect of institutional quality on the scale of premium income by using cross-country panel data from 2006 to 2014. The research shows that the improvement of system quality has a significant impact on the expansion of premium income scale, especially on developing economies; In the first class index of system quality, the influence of public system quality on premium income is higher than that of enterprise system quality. In the second class index, the improvement of property right protection system has the strongest effect on the promotion of premium income. The institutional environment of our country is poor in terms of moral standards and corruption suppression. Standardizing social morality and combating corruption has become the primary task of institutional reform to promote the development of the insurance industry in China. The conclusion of this paper means that in order to promote the healthy development of China's insurance industry, the emphasis of the institutional reform of our country lies in perfecting the public system, especially in regulating social morality and restraining corruption and so on.
【作者单位】: 南开大学经济学院/中国特色社会主义经济建设协同创新中心;对外经济贸易大学国际经济贸易学院;
【基金】:教育部留学回国人员科研启动基金资助项目的资助
【分类号】:F842.0


本文编号:2407083


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