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英文文献：Financial Access, Governance and Insurance Sector Development in Sub-Saharan Africa-撒哈拉以南非洲的金融准入、治理和保险部门发展
英文文献作者：Simplice A. Asongu,Nicholas M. Odhiambo
英文文献摘要：
Purpose –This study investigates the role of financial access in moderating the effect of governance on insurance consumption in 42 Sub-Saharan African countries using data for the period 2004-2014. Design/methodology/approach – Two life insurance indicators are used, notably: life insurance and non-life insurance. Six governance measurements are also used, namely: political stability, “voice & accountability”, government effectiveness, regulation quality, corruption-control and the rule of law. The empirical evidence is based on the Generalised Method of Moments (GMM) and Least Squares Dummy Variable Corrected (LSDVC) estimators. Findings –Estimations from the LSDVC are not significant while the following main findings are established from the GMM. First, financial access promotes life insurance through channels of political stability, “voice & accountability”, government effectiveness, the rule of law and corruption-control. Second, financial access also stimulates non-life insurance via governance mechanisms of political stability, “voice & accountability”, government effectiveness, regulation quality, the rule of law and corruption-control. Originality/value – This research complements the sparse literature on insurance promotion in Africa by engaging the hitherto unexplored role of financial access through governance channels.
目的-本研究利用2004-2014年期间的数据，调查了金融获取在缓和治理对42个撒哈拉以南非洲国家保险消费的影响方面的作用。设计/方法/方法-使用了两个人寿保险指标，主要是:人寿保险和非人寿保险。六项治理措施也被使用，即:政治稳定、“声音与问责”、政府效能、监管质量、腐败控制和法治。经验证据基于广义矩法(GMM)和最小二乘虚拟变量校正(LSDVC)估计量。研究结果——LSDVC的估计并不显著，而以下主要发现是由GMM得出的。首先，金融准入通过政治稳定、“话语权与问责”、政府效能、法治和反腐等渠道促进寿险。其次，通过政治稳定、“话语权与问责”、政府效能、监管质量、法治和反腐等治理机制，金融准入也促进了非寿险的发展。独创性/价值——这项研究通过通过治理渠道获得资金的作用，对关于在非洲促进保险的稀少文献进行了补充。
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