保费监管对印尼汽车保险保费的影响分析

Proceedings of the 12th International Conference on Business and Management Research (ICBMR 2018) Pub Date : 2019-03-01 DOI:10.2991/ICBMR-18.2019.57

Zora Vidyanata, Yogo Purwono

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引用次数: 0

摘要

本研究分析印尼金融服务管理局(OJK)第6/D号通函的监管影响。2013年5月一般保险关税/保费监管，特别参考机动车辆保险保费和保费费率变化因素。利用2011 - 2016年印尼44家机动车保险公司的数据，采用Arellano和Bond开发的动态面板数据回归模型，采用广义矩量法(GMM)分析了监管对印尼保费的影响。为了分析监管对保费波动变化的影响，本研究采用固定效应方法进行面板数据回归。此外，为了分析监管前后保费的决定因素，研究采用加权OLS方法和newy - west校正标准误差估计的面板数据回归。实证分析表明，监管对印尼机动车保险保费有显著的正向影响，但不影响保费的波动性。在放松管制前后，影响保费变动的因素差异显著。

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Analysis of The Influence of Premium Regulation on Motor Vehicle Insurance Premiums in Indonesia

This study analyzes the regulatory impact of Indonesian Financial Services Authority (OJK) Circular Letter No. 6/D.05/2013 on tariff/premium regulation of general insurance, with particular reference to motor vehicle insurance premiums and premium rate change factors. Using data from 44 motor vehicle insurance companies in Indonesia from 2011 to 2016, a dynamic panel data regression model with generalized method of moment (GMM) developed by Arellano and Bond was used to analyze the impact of regulation on insurance premiums in Indonesia. To analyze the impact of regulation on changes in insurance premium volatility, this study used a fixed-effect method for panel data regression. Furthermore, to analyze the determinant factors for insurance premiums in the period before and after regulation, the study used panel data regression with weighted OLS method and Newey-West corrected standard error estimator. Empirical analysis showed that regulation has a positive and significant impact on motor vehicle insurance premiums in Indonesia but does not affect the volatility of such premiums. The factors affecting change of premium differ significantly in the period before and after deregulation.

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Proceedings of the 12th International Conference on Business and Management Research (ICBMR 2018)

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