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Based on the provincial panel data from 1989 to 2013 and the fixed effects model, this paper presents an empirical study in the means of insurance, law and government expenditure on disaster prevention and mitigation and discusses the specific impact of the formal system to natural disaster losses. The results show that an advanced insurance industry, perfect rule of law and an appropriate level of government expenditure on disaster prevention and mitigation, lead to the smaller economic and personnel losses in natural disasters. 正式制度与自然灾害损失的减少:基于中国数据的实证研究 贾倩 1, , 周露昭 1, b 西北工业大学明德学院经济管理学院,西安,陕西,中国 jiaqianxd@163.com, 20519959@qq.com 关键词:自然灾害损失,保险,法律,防减灾支出 中文摘要. 本文从保险层面、法律层面、政府防减灾支出层面入手,采用 1989-2013 年省级面 板数据和固定效应模型进行实证检验,探讨正式制度对自然灾害损失的具体影响。结果表明: 保险业发展越快,法治建设越完善,政府防减灾支出达到适度水平,自然灾害产生的经济和 人员损失越小。

Formal Systems and Loss Reduction in Natural Disasters: an Empirical Study Based on Chinese Data