摘要
基于现有研究建立工程保险需求模型,搜集了2008~2019年中国内地30个省、市、区的面板数据并划分为东、中、西部3个组别,采用静态面板数据模型和系统GMM的方法进行实证分析。静态面板数据分析结果表明,保险经济补偿功能能显著促进国内工程保险需求的增长,但不同区域影响因素有所差异。东部地区工程保险发展主要依靠保险经济补偿功能和保险标的价值,企业财富可能是工程保险的替代品;中部地区保险标的价值和建筑业发展水平是主要影响因素,该地区工程保险属于劣质商品;西部地区企业收入和财富推动了工程保险需求增长。系统GMM的结果则证实了国内工程保险市场存在“棘轮效应”,且不同地区“棘轮效应”程度不同。并依据不同区域的实证结果提出了工程保险发展建议。
To explore how to promote the growth of the demand for engineering insurance,we establish a demand model.Panel data of 30 provinces in Chinese mainland from 2008 to 2019 are collected and divided into three groups:east,middle,and west.A static panel data model and a system GMM approach are used for empirical analysis.The results of the static analysis show that insurance economic compensation function can significantly contribute to the growth of engineering insurance demand nationwide.Meanwhile,the paths and impediments to the development vary across regions.Results from system GMM confirm that there are ratchet effects in engineering insurance markets,and the ratchet effects vary from region to region.Targeted engineering insurance development paths are proposed based on the empirical results of different regions.
作者
王幼松
向璐佳
周小溦
张扬冰
WANG You-song;XIANG Lu-jia;ZHOU Xiao-wei;ZHANG Yang-bing(School of Civil Engineering and Transportation,South China University of Technology,Guangzhou 510641,China;State Key Laboratory of Subtropical Building Science,South China University of Technology,Guangzhou 510640,China)
出处
《工程管理学报》
2022年第1期24-29,共6页
Journal of Engineering Management
基金
亚热带建筑科学国家重点实验室开放课题项目(2021ZB21、2021ZB15).
