Global greenhouse gas emissions are increasing, with carbon dioxide being the most prominent. It is urgent to address and resolve the carbon emissions problem. This study investigates the mediating mechanism of agricultural insurance and low-carbon technology innovation on agricultural carbon emissions. We employed a two-way fixed effect panel model with data from 30 provinces in China from 2001–2019 to validate our hypotheses. The results demonstrate that (1) agricultural insurance can play an effective role in reducing agricultural carbon emissions, and (2) an indirect effect of agricultural insurance development on agricultural carbon emissions through low-carbon technology innovation exists. These results indicate that agricultural insurance could suppress agricultural carbon emissions indirectly through low-carbon technology innovation, thus preventing the acceleration of the greenhouse effect. This study further analyzed regional differences and discovered that the suppression effect of agricultural insurance on agricultural carbon emissions is more significant in the eastern regions and non-main grain-producing areas of China. Therefore, the analysis implies that promoting the development of agricultural insurance to encourage low-carbon technology innovation is crucial to accelerate the process of “carbon peak and neutrality”, especially for the eastern regions and non-main grain-producing areas of China.
We developed and examined a theoretical model to explain the key factors influencing Chinese customers' purchasing intention of online life insurance. The proposed theoretical model incorporated the unified theory of acceptance and use of technology (UTAUT) with 2 external factors:
online trust and perceived risk. SmartPLS 2.0 was used to analyze the data collected from field survey questionnaires (N = 315). The results showed that customers' online life insurance purchasing intention was significantly impacted by performance expectancy, effort expectancy, and
social influence. In addition, online trust acted as both a direct antecedent of purchasing intention and an indirect antecedent through perceived risk. These findings offer Chinese insurers some guidelines for designing and marketing through this channel to increase their sales.
The empirical investigation of the underwriting profits of six major insurance lines in the US market during 1956–2016 suggests that the data generating process of underwriting profits follows a first‐order autoregressive process for less regulated business lines, whereas highly regulated business lines follow a second‐order autoregressive process. This study verified the long‐run relationships between risk‐free interest rates and underwriting profits for individual lines. Specifically, the long‐run sensitivities of interest rates for less regulated long‐tail lines were greater than those for other lines. We also found that the length of tail acted as a crucial part of the feedback dynamics. The shorter the tails, the greater the tendency to go back to equilibrium, while the longer the tails, the smaller the tendency. In addition, an analysis of cumulative dynamic multipliers showed that the adjustment patterns for the lagged effects of interest rates varied for each business line. The pricing strategies and the safety loading activities of different individual lines were also discussed in this study.
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