财经理论与实践2024，Vol.45Issue(2)：40-47,8.DOI:10.16339/j.cnki.hdxbcjb.2024.02.006
地方政府干预视角下农业保险公司的双重经营压力分析
Analysis of the Dual Operating Pressure of Agricultural Insurance Companies from the Perspective of Local Government Intervention
摘要
Abstract
Based on panel data from 31 provinces(districts,cities)from 2008 to 2020,using models such as fixed effects and threshold regression,this study quantitatively evaluates the im-pact of local government intervention on agricultural insurance business operations from the dual dimensions of business claims and cost expenses.The results show that local government inter-vention has significantly increased the simple payout rate and comprehensive expense rate of agri-cultural insurance business,causing dual operational pressure on agricultural insurance compa-nies.Further research has found that when the participation density crosses the negative thresh-old,the pressure on agricultural insurance compensation caused by local government intervention significantly weakens.In view of this,measures such as setting red lines for local government in-tervention and accelerating technology empowerment of agricultural insurance should be taken to promote scientific and independent operation of agricultural insurance companies.关键词
农业保险/地方政府干预/业务理赔/成本费用Key words
agricultural insurance/local government intervention/business claim/cost expenses分类
管理科学引用本文复制引用
陈盛伟,魏超..地方政府干预视角下农业保险公司的双重经营压力分析[J].财经理论与实践,2024,45(2):40-47,8.基金项目
国家社会科学基金重点项目(23AGL026) （23AGL026）
山东省自然科学基金面上项目(ZR2023MG068) （ZR2023MG068）
