绿色保险中事故预防服务的效果研究——基于安责险的一项准自然实验

Core Insights - Green finance is a crucial component in promoting a comprehensive green transformation of the economy and society, with China leading globally in green loans and bonds [1][2] - Green insurance, as an essential part of green finance, plays a significant role in risk-sharing for enterprises and industries, although its research is less developed compared to green loans and bonds [1][2] Policy Background - Safety production liability insurance (referred to as "Anze Insurance") compensates for economic losses and casualties from production safety accidents while providing accident prevention services [3] - The implementation of Anze Insurance is a key measure to prevent and reduce production safety accidents and support green development in enterprises [3] Research Design - Data for the study is sourced from Anze Insurance policy data from 2015 to 2023 and macroeconomic variables from the China Urban Statistical Yearbook [5] - The study examines the impact of accident prevention services on insurance claims, including the frequency and amount of claims [6][7] Empirical Results - The results indicate that accident prevention services significantly reduce the probability of claims, with a marginal effect of -0.0385%, leading to a conditional stop-loss ratio of 2.47% for policies with such services [18] - The average number of claims and losses for policies with accident prevention services decreased by 0.0004 times and 0.0007 million yuan, respectively, indicating a more substantial effect on reducing claim probabilities than on the frequency and amount of claims [18] Further Discussion - The analysis shows that the effectiveness of accident prevention services varies by enterprise size, with large enterprises experiencing a significant reduction in claim probabilities [21][23] - The marginal effect for large enterprises is 4.0471%, while medium and small enterprises show lower effects of 1.97% and 2.77%, respectively [21][23] Conclusion and Policy Implications - It is recommended to promote accident prevention services across other green insurance products, enhancing risk management and prevention strategies [26] - Focus should be placed on large enterprises and high-risk industries to maximize the economic benefits of accident prevention services [27]