| 摘要: |
| 与发达国家相比，我国责任保险发展滞后，是保险业发展不足但潜力巨大的领域。基于经济理论和国际经验，采用2001—2012年（2013年）我国省级单位和地级单位的面板数据，分析影响我国责任保险发展水平的主要因素，结果表明：我国责任保险处于初级发展阶段，责任保险的赔付水平低于发达国家；我国责任保险赔付与宏观经济社会变量的相关性较弱，这与主要发达国家相同；我国责任保险赔付与医疗保健服务的使用、医疗保健服务价格指数、CPI的相关性弱于其与人均GDP、人均工资水平的相关性，这与主要发达国家相反。经济新常态下，我国责任保险发展应将环境污染、食品安全、医疗责任等与人们日常生活紧密相关的领域作为重点，并将责任保险嵌入社会风险管理的全过程。 |
| 关键词: 责任保险 保险赔付密度 环境污染责任保险 食品安全责任保险 医疗责任保险 社会风险管理 |
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| A Study on the Determinants for Liability Insurance Development in China |
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WANG Xiang-nan
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Institute of Finance and Banking, Chinese Academy of Social Sciences, Beijing 100028, China
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| Abstract: |
| Compared with developed countries, liability insurance develops slowly in China, but the potential is great. On the basis of economic theory and international experience, this article studies the determinants for the liability insurance development in China using the panel data at the provincial (prefecture) level during the period of 2001—2012 (2013). The main results show that: (1) The liability insurance remains at a very primary development stage in China, and the compensation level of liability insurance in China is lower than that in the developed countries; (2) The correlation between liability insurance claims and macro-economic and social variables are weak which are similar to the main developed countries; (3) Compared with GDP per capita and wage per capita, liability insurance claims are more correlated with the use of health care services, health care service price index, and the CPI, which are contract to the main developed countries. Finally, we puts forward the policy suggestions for China’s liability insurance development in the "new normal" period that the key points should be the fields connecting with people’s daily life such as environmental pollution, food security, medical liability, etc., and China’s liability insurance development should be built in the whole process of social risk management. |
| Key words: liability insurance liability insurance compensation density liability insurance of environmental pollution liability insurance of food security medical liability insurance social risk management |
