我国寿险区域发展不均衡研究
发布时间：2018-10-23 08:16
【摘要】：我国保险业自恢复以来发展非常迅速,寿险保费占据的规模巨大,但存在的问题不可忽视,如地区间寿险发展不均衡的结构性问题。本文运用2005至2012年中国内地31个省市自治区的面板数据,一共248个样本,对寿险区域发展不平衡问题进行了实证研究。先从寿险密度(人均寿险保费)、寿险保费收入弹性的区域间差别对比结果,以及聚类分析的结果,说明我国寿险发展区域间存在不均衡现象,然后从经济、社会、人口、保险观念、寿险公司方面,理论上分析了相关指标预期产生的影响,并选取了人均地区生产总值、受教育程度、城镇化程度、老年抚养比、消费者价格指数、城镇居民人均可支配收入、提供寿险产品的保险公司数量以及保险行业集中度CR4指标作为解释变量,将寿险密度作为被解释变量,分别进行一元回归和多元回归,使用面板数据模型探讨了影响我国寿险发展的因素。结果发现一元回归中,各解释变量对寿险发展都有显著影响,但有些指标拟合度不高；多元回归中人均地区生产总值对寿险发展有重要影响,但不显著,城镇化程度、提供寿险产品的保险公司数量与寿险发展显著正相关,老年抚养比、保险行业集中度与寿险发展显著负相关,且老年抚养比与一元回归结果符号不一致,本文对此进行了解释。接下来结合三大经济带和聚类分析结果,将所有省市自治区划分成东、中、西部三个大区域,同时将省市自治区的数据整合成三大区域的数据,对每个区域各个指标的差异进行比较,在此基础上分析造成区域间寿险发展不均衡的原因。最后结合东、中、西部的特色,提出促进寿险业区域间均衡发展的相关建议。
[Abstract]:The insurance industry of our country has developed very rapidly since the recovery, and the life insurance premium occupies a huge scale, but the existing problems can not be ignored, such as the structural problem of the unbalanced development of life insurance in different regions. Based on the panel data of 31 provinces, cities and autonomous regions in mainland China from 2005 to 2012, this paper makes an empirical study on the unbalanced development of life insurance regions with 248 samples. First, from the life insurance density (per capita life insurance premium), the difference between regions of the income elasticity of life insurance premium, and the result of cluster analysis, it is shown that there is imbalance in the development of life insurance in China, and then from the economic, social and demographic aspects, Insurance concept, life insurance companies, theoretically analyzed the impact of related indicators expected, and selected per capita GDP, education, urbanization, old-age dependency ratio, consumer price index, The per capita disposable income of urban residents, the number of insurance companies providing life insurance products and the CR4 index of insurance industry concentration are taken as explanatory variables, and the life insurance density is taken as the explained variable, and the univariate regression and multivariate regression are carried out, respectively. The factors influencing the development of life insurance in China are discussed by using panel data model. The results show that in univariate regression, each explanatory variable has significant influence on the development of life insurance, but some indexes do not fit well, and the per capita GDP has an important influence on the development of life insurance in multiple regression, but it is not significant, and the degree of urbanization is not significant. The number of insurance companies providing life insurance products is significantly positively correlated with the development of life insurance, and the old-age dependency ratio and the concentration of insurance industry are negatively correlated with the development of life insurance, and the symbol between the old-age dependency ratio and the univariate regression result is inconsistent. Next, by combining the results of the three major economic belts and cluster analysis, all provinces and autonomous regions are divided into three major regions, east, middle and west. At the same time, the data of provinces, cities and autonomous regions are integrated into data from the three major regions. On the basis of comparing the differences of each index in each region, this paper analyzes the causes of the uneven development of life insurance in different regions. Finally, according to the characteristics of east, middle and west, some suggestions are put forward to promote the balanced development of life insurance industry.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.62
[Abstract]:The insurance industry of our country has developed very rapidly since the recovery, and the life insurance premium occupies a huge scale, but the existing problems can not be ignored, such as the structural problem of the unbalanced development of life insurance in different regions. Based on the panel data of 31 provinces, cities and autonomous regions in mainland China from 2005 to 2012, this paper makes an empirical study on the unbalanced development of life insurance regions with 248 samples. First, from the life insurance density (per capita life insurance premium), the difference between regions of the income elasticity of life insurance premium, and the result of cluster analysis, it is shown that there is imbalance in the development of life insurance in China, and then from the economic, social and demographic aspects, Insurance concept, life insurance companies, theoretically analyzed the impact of related indicators expected, and selected per capita GDP, education, urbanization, old-age dependency ratio, consumer price index, The per capita disposable income of urban residents, the number of insurance companies providing life insurance products and the CR4 index of insurance industry concentration are taken as explanatory variables, and the life insurance density is taken as the explained variable, and the univariate regression and multivariate regression are carried out, respectively. The factors influencing the development of life insurance in China are discussed by using panel data model. The results show that in univariate regression, each explanatory variable has significant influence on the development of life insurance, but some indexes do not fit well, and the per capita GDP has an important influence on the development of life insurance in multiple regression, but it is not significant, and the degree of urbanization is not significant. The number of insurance companies providing life insurance products is significantly positively correlated with the development of life insurance, and the old-age dependency ratio and the concentration of insurance industry are negatively correlated with the development of life insurance, and the symbol between the old-age dependency ratio and the univariate regression result is inconsistent. Next, by combining the results of the three major economic belts and cluster analysis, all provinces and autonomous regions are divided into three major regions, east, middle and west. At the same time, the data of provinces, cities and autonomous regions are integrated into data from the three major regions. On the basis of comparing the differences of each index in each region, this paper analyzes the causes of the uneven development of life insurance in different regions. Finally, according to the characteristics of east, middle and west, some suggestions are put forward to promote the balanced development of life insurance industry.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.62
【参考文献】
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