我国保险业发展的区域差异及影响因素研究

发布时间：2018-07-10 11:30

本文选题：保险发展 + 保险密度　；参考：《重庆工商大学》2017年硕士论文

【摘要】：保险具有集散风险、补偿损失、经济给付和资金融通等职能,是最重要、最基本、最有效的社会风险管理技术和手段。改革开放以来,我国保险业保持了年均25%以上的增长速度,远远高于同期GDP年均15%的增长速度,是国民经济中发展最快、最具活力的朝阳产业之一。然而,在保险业务收入和保险业总资产高速发展的同时,保险业发展区域不平衡日益显现:东部地区保险业发展较快,中、西部地区保险业发展起步晚、与东部地区的差距也较大。为此,衡量我国保险业的地区差异,以及探究影响不同地区保险业发展的因素,对促进我国保险业区域协调、可持续发展有着极其重要的意义。本文主要研究各地区保险业发展的差异及导致这种差异的影响因素,并对比分析各地区保险业发展的特点和特征。基于前人文献实证结果,本文选取了人均收入水平、教育程度、产业结构、人口年龄结构和社会福利水平等五个对保险业发展有重要影响的指标,以2011-2015年全国、东部、中部、西部地区的省级数据,用代表保险业发展水平的保险密度为被解释变量,分别建立面板模型并对比分析各个因素对东、中、西部地区保险业发展影响的大小及异同。实证结果显示,我国保险业发展在东部、中部、西部呈现出巨大的地区差异,中部地区与东部地区保险业发展的差异原因是产业结构的差距,而西部地区则是在人口年龄结构和教育程度上落后。社会福利水平对各个地区保险业发展均有明显促进作用;收入水平是促进保险业发展最直接的推动力,在东部地区尤为明显;产业结构对中部地区保险业发展的促进作用最大;教育程度主要是对人身保险起影响作用,它对西部地区影响最为巨大;代表人口结构的人口抚养比对保险业发展有负向影响,且对财产保险的负向作用大于人身保险。根据研究结论,为促进各地区保险业协调、可持续发展,东部地区应该大力创新保险产品和服务;中部地区应该调整和优化产业结构;而西部地区应该加强对风险和保险意识的宣传,并给予一定的政策优惠。本文的创新点主要有:第一,用保险密度作为被解释变量来衡量保险业发展地区差异,比传统保费收入来衡量保险发展水平的地区差异更加客观和合理;第二,在以保险密度为被解释变量的实证后,还分别进行了人身保险密度和财产保险密度的实证分析,对比分析同一因素对人身保险和财产保险影响的大小和异同。
[Abstract]:Insurance is the most important, basic and effective social risk management technology and means, which has the functions of collecting and distributing risk, compensating for loss, economic giving and financing. Since the reform and opening up, China's insurance industry has maintained an average annual growth rate of more than 25%, which is far higher than the annual GDP growth rate of 15% in the same period. It is one of the fastest-growing and most dynamic sunrise industries in the national economy. However, with the rapid development of insurance business income and total insurance assets, the regional imbalance of insurance development is becoming increasingly apparent: the insurance industry develops rapidly in the eastern region, while the insurance industry in the western region starts late. The gap with the eastern region is also large. Therefore, it is of great significance to measure the regional differences of the insurance industry in China and to explore the factors that affect the development of the insurance industry in different regions in order to promote regional coordination and sustainable development of the insurance industry in China. This paper mainly studies the differences in the development of the insurance industry in different regions and the influencing factors leading to the differences, and compares and analyzes the characteristics and characteristics of the development of the insurance industry in various regions. Based on the empirical results of previous literatures, this paper selects five indicators which have important influence on the development of insurance industry, such as per capita income level, education level, industrial structure, population age structure and social welfare level. In the provincial data of the western region, using the insurance density representing the level of insurance development as the explanatory variable, the panel model is established and the influence of each factor on the development of the insurance industry in the east, the middle and the west is compared and analyzed. The empirical results show that there are great regional differences in the development of insurance industry in the east, the middle and the west of China, and the difference between the central region and the eastern region is due to the disparity of the industrial structure. The western region is backward in the age structure and educational level of the population. The level of social welfare is the most direct driving force to promote the development of insurance industry, especially in the eastern region, and the industrial structure plays the most important role in promoting the development of insurance industry in the central region. The education level mainly affects the life insurance, which has the greatest influence on the western region; the population dependency ratio, which represents the population structure, has a negative effect on the development of the insurance industry, and the negative effect on the property insurance is greater than that on the personal insurance. According to the conclusion of the study, in order to promote the coordination and sustainable development of the insurance industry in various regions, the eastern region should make great efforts to innovate insurance products and services, and the central region should adjust and optimize the industrial structure. The western region should strengthen the awareness of risk and insurance, and give some preferential policies. The innovations of this paper are as follows: first, the insurance density is used as the explanatory variable to measure the regional differences of insurance development, which is more objective and reasonable than the traditional premium income to measure the level of insurance development. After taking the insurance density as the explanatory variable, the author also makes the empirical analysis of the personal insurance density and the property insurance density respectively, and compares and analyzes the magnitude and difference of the same factor to the personal insurance and property insurance.
【学位授予单位】：重庆工商大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842

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