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本文基于2007-2013年省际面板数据,分析了市场结构对农业保险市场规模的影响。研究发现,我国农业保险的市场结构仍为极高寡占型,表征市场集中度的CRn指数和HHI指数均值分别高达0.897和0.340,但处于明显的下降通道。市场集中度下降对市场规模的扩大有显著的正向影响,说明目前趋于竞争的市场更有助于市场规模的扩大,这意味着应当加快农业保险市场发育进程,扶持政策性保险机构、尝试引入外资机构尤为必要。保费补贴对各地区市场规模有显著的积极影响,而第一产业占GDP比重高的地区农业保险市场规模偏小,为此,应当优化补贴格局,落实精准补贴,更加有针对性地向农业大省、农业大县倾斜。
Based on the provincial panel data from 2007 to 2013, this paper analyzes the impact of market structure on the size of agricultural insurance market. The study found that the market structure of agricultural insurance in our country is still extremely high and oligarchic. The average CRn index and HHI index, which characterize market concentration, are as high as 0.897 and 0.340, respectively, but are in a clear downward trend. The declining market concentration has a significant positive impact on the expansion of the market scale, indicating that the current market is more conducive to competition in the market to expand, which means that the development of agricultural insurance market should accelerate the process of supporting policy-oriented insurance agencies to try The introduction of foreign-funded institutions is particularly necessary. Premium subsidies have a significant positive impact on the size of markets in all regions, while the size of the agricultural insurance market in regions where the primary industry accounts for a large proportion of GDP is relatively small. To this end, the subsidy structure should be optimized and fine subsidies should be implemented, Provincial, agricultural county tilt.