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    经济经纬 2020 Issue (5) :169-176
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    电梯责任保险对电梯公共安全管理的影响——基于双重差分模型的实证
丁日佳, 田铮
中国矿业大学(北京) 管理学院,北京 100083
    Research on the Impact of Elevator Liability Insurance on Elevator Public Safety Management ——An Empirical Study Based on The Difference-in-Differences Model
    DING Rijia, TIAN Zheng
School of Management, China University of Mining & Technology (Beijing), Beijing 100083, China
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摘要 基于2010—2018年中国省域电梯安全事故发生率和责任保险保费、赔付金额面板数据,采用双重差分模型,就电梯责任保险对电梯公共安全管理的影响进行统计分析。实证结果表明:电梯责任保险在公共安全中具备事前风险防范、事中风险控制和事后理赔服务的专业优势,电梯责任保险的健康发展需要在公共安全管理部门引导下提高其普及度和覆盖率,同时保险公司要积极参与试点,扩大承保规模、积累经验数据,完善电梯责任保险的责任划分和定价机制。
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丁日佳
田铮
关键词： 电梯安全   电梯责任保险   社会治理   双重差分模型     
Abstract： Elevator liability insurance is an important starting point for elevator safety management. Based on the panel data on elevator accident rates, liability insurance premiums, and payment amounts for 31 provinces (municipalities, autonomous regions) in China from 2010 to 2018, this paper conducts statistical analysis on the impact of elevator liability insurance on the incidence of elevator safety accidents and the rate of liability insurance compensation using the difference-in-differences model since the launch of the insurance pilot zone. The study found that the implementation of elevator liability insurance has no statistically significant impact on the incidence of elevator safety accidents; the market supervision mechanism based on the inability of insurance companies to exert their industry advantages such as “information collection, contract design, and actuarial technology” will be accompanied by problems of corporate moral hazard. But the practical significance of the research in this article shows that the elevator liability insurance has the professional advantages of pre-risk prevention, in-risk risk control and after-sales compensation services in public safety. The healthy development of elevator liability insurance needs to increase its popularity and coverage under the guidance of public safety management departments; meanwhile, it requires insurance companies to actively participate in the pilot, expand the scale of underwriting, accumulate experience data, and improve the responsibility division and pricing mechanism of elevator liability insurance.
Keywords： Elevator Safety   Elevator Liability Insurance   Social Governance   The Difference-in-Differences Model     
收稿日期 2019-10-18; 接受日期 ;
基金资助:国家重点研发计划课题 (2017YFC0805705)。
作者简介: 丁日佳(1963— ),男,教授,博士生导师,主要从事技术经济、企业管理、公司理财等研究;田铮(1990— ),男,河南孟州人,博士研究生,主要从事风险管理、风险评价方法等研究。
引用本文:   
丁日佳, 田铮.电梯责任保险对电梯公共安全管理的影响——基于双重差分模型的实证[J].  经济经纬, 2020,5: 169-176
DING Rijia, TIAN Zheng.Research on the Impact of Elevator Liability Insurance on Elevator Public Safety Management ——An Empirical Study Based on The Difference-in-Differences Model[J]  Economic Survey, 2020,V37(5): 169-176
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