地方政府干预视角下农业保险公司的双重经营压力分析OA北大核心CHSSCDCSTPCD

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.