省域视角下中国保险业市场的时空特征

发布时间：2018-07-03 20:54

本文选题：保险业市场 + 空间格局　；参考：《经济地理》2017年05期

【摘要】：基于省域2006—2014年保费收入,分析了中国保险业市场的空间分布和发展潜力格局,并以此为基础划分了中国保险业市场的发展类型;最后,采用多元回归模型探讨了中国保险业市场的空间分异的影响机制。研究表明:(1)中国保费收入整体上呈现增长趋势,保险业市场表现出明显的空间两极化特征;随着保险市场日益成熟,中国保险业市场发展出现三个高值区:北京—上海的东部沿海地区、以广东为中心的珠江三角洲地区和以四川为中心的西部地区,极化现象也在逐渐弱化。(2)各省份之间的发展潜力差异较大,其中,保险业市场发展潜力明显较高的省份主要集中在东北、中部以及新疆、四川等地。(3)保险业市场发展处于"低水平—高潜力"的省份空间分布较分散,且多为经济发展相对落后地区,而处于"高水平—低潜力"的省份主要分布于中东部地区。(4)经济发展水平、人民生活水平、城镇化水平以及金融业发展水平等对保险业发展有正向促进作用;人民生活水平和金融业发展水平等对保险业发展潜力有正向促进作用。
[Abstract]:Based on the provincial premium income from 2006 to 2014, the spatial distribution and development potential pattern of China's insurance market are analyzed, and the development types of China's insurance market are divided on the basis of this. Finally, the impact mechanism of the spatial differentiation of China insurance market is discussed with multiple regression model. (1) China's premium income is whole. The growth trend of the insurance market shows obvious spatial polarization. With the growing maturity of the insurance market, the development of China's insurance market has three high value areas: the eastern coastal areas of Beijing Shanghai, the Pearl River Delta region with Guangdong as the center and the western region with Sichuan as the center, the polarization phenomenon is also in the competition. (2) there are great differences in the development potential between provinces. Among them, the provinces with higher potential for insurance market development are mainly concentrated in Northeast, central and Xinjiang, Sichuan. (3) the distribution of insurance market in the "low level high potential" provinces is scattered, and most of which are relatively backward areas of economic development, and are in "the areas of relatively backward economic development". The provinces of high level and low potential are mainly distributed in the Middle East region. (4) the level of economic development, the living standard of the people, the level of urbanization and the development level of the financial industry have a positive effect on the development of the insurance industry, and the people's living standard and the development level of the financial industry have a positive effect on the development potential of the insurance industry.
【作者单位】：兰州大学资源环境学院;兰州大学西部环境教育部重点实验室;
【基金】：国家自然科学基金项目(41571155;41171143) 中央高校基本科研业务专项资金(lzujbky-2016-278)
【分类号】：F842

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