我国寿险业区域发展差异性研究
发布时间：2018-11-08 16:03
【摘要】：我国寿险业经过三十余年的发展,已迅速成长为世界上最具潜力的新兴寿险市场,寿险总量规模一直保持着快速增长。但是,我们必须认识到,我国寿险业与发达国家的寿险业相比还处于初级阶段,存在着很多问题亟待解决,如社会认可度低、市场化程度低、产品单一同质、地区之间发展差异性大等等。其中,寿险区域发展不平衡是当前我国寿险业结构性矛盾的一个重要体现。我国保险业区域发展水平存在的显著差异性已经基本成为产学界和监管当局的共识,政府也陆续出台一系列政策指引我国保险业协调、可持续发展,如《国务院关于保险业改革发展的若干意见(2006)》就明确提出了要“统筹保险业区域发展”,保险业发展“十二五”规划纲要,也明确提出了这一点。保险具有社会管理、资金融通、经济补偿的职能,在一国国民经济、社会保障体系和金融系统中都占有重要地位,而寿险业在保险业中占有重要地位,它能够保障人们生存需要、提升人们生活质量,最终为丰富人们的生活、促进社会全面发展创造条件。 本文将我国寿险区域分为东部、中部、西部和东北四个地区,在使用保费收入、保险密度和保险深度等传统指标观察我国寿险业区域发展情况后,本文尝试应用“寿险基准密度比”这一无量纲的相对发展指标重新审视我国寿险业区域发展情况,并得出了与传统方法下不一致的结论：东部寿险业在经历了快速发展阶段后,其人均可支配收入水平意义下的寿险业发展水平处于区域间落后水平,但总体上说,寿险业的区域发展较为均衡。在对影响我国寿险业发展的因素定性分析之后,选择寿险密度这一指标衡量寿险业区域发展水平,人均可支配收入、人均存款储蓄余额、教育水平、城市化水平、总抚养比、社会保障程度作为影响我国寿险业发展的重要因素,建立面板数据回归模型。全国寿险业的回归模型的结果表明,人均可支配收入水平对寿险业的发展影响最大,寿险需求的收入弹性大于1,说明对于我国居民来说,寿险产品还是一个奢侈品；其他因素对寿险业发展的影响与理论分析基本一致。寿险业的区域回归模型表明,人均可支配收入、总抚养比与寿险密度正相关,其余解释变量与寿险密度之间的关系在区域间存在差异。最后,本文结合定性分析和实证分析结果,并根据我国寿险业在发展过程中实际出现的问题,分别从寿险业与经济发展关系、寿险行业本身、政策监管等方面,尝试性地提出一些有利于实现我国寿险市场区域均衡发展的建议。
[Abstract]:After more than 30 years' development, China's life insurance industry has grown rapidly into the world's most promising new life insurance market, and the total life insurance volume has maintained a rapid growth. However, we must realize that the life insurance industry in our country is still in the primary stage compared with the life insurance industry in developed countries, and there are many problems to be solved urgently, such as low social recognition, low marketization, and homogeneous products. Development difference between regions and so on. Among them, the imbalance of regional development of life insurance is an important embodiment of the structural contradiction of life insurance industry in China. The significant differences in the regional development level of the insurance industry in China have basically become the consensus of industry circles and regulatory authorities. The government has also issued a series of policies one after another to guide the coordinated and sustainable development of the insurance industry in China. For example, the opinions of the State Council on the reform and development of the insurance industry (2006) clearly put forward the outline of the 12th Five-Year Plan for the Development of the Insurance Industry, and this point is also clearly put forward. Insurance has the functions of social management, fund financing and economic compensation. It plays an important role in a country's national economy, social security system and financial system, while life insurance industry plays an important role in the insurance industry. It can ensure people's living needs, improve people's quality of life, and finally create conditions for enriching people's lives and promoting the overall development of society. In this paper, the life insurance regions in China are divided into four regions: eastern, central, western and northeast. After using the traditional indexes, such as premium income, insurance density and insurance depth, to observe the regional development of life insurance in China. This paper attempts to re-examine the regional development of life insurance industry in China by using the "benchmark density ratio of life insurance", which is a dimensionless relative development index, and draws the conclusion that the life insurance industry in eastern China has experienced a rapid development stage after going through a period of rapid development, which is inconsistent with the traditional method. In the sense of per capita disposable income, the development level of life insurance industry is in the level of regional backwardness, but on the whole, the regional development of life insurance industry is more balanced. After qualitative analysis of the factors affecting the development of life insurance industry in China, this paper chooses the index of life insurance density to measure the regional development level of life insurance industry, the per capita disposable income, the balance of deposit savings per capita, the education level, the level of urbanization, the total dependency ratio. The degree of social security is an important factor affecting the development of life insurance industry in China, and a panel data regression model is established. The results of the regression model of the national life insurance industry show that the per capita disposable income level has the greatest impact on the development of the life insurance industry, and the income elasticity of life insurance demand is greater than 1, which indicates that life insurance products are still a luxury for Chinese residents. The influence of other factors on the development of life insurance industry is basically consistent with theoretical analysis. The regional regression model of life insurance industry shows that the per capita disposable income, total dependency ratio and life insurance density are positively correlated, and the relationship between the other explanatory variables and life insurance density is different among regions. Finally, this paper combines the qualitative analysis and empirical analysis results, and according to the actual problems in the development process of life insurance industry in China, from the relationship between life insurance industry and economic development, life insurance industry itself, policy supervision and so on. Some suggestions are put forward to realize the regional balanced development of life insurance market in China.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62
本文编号：2318977
[Abstract]:After more than 30 years' development, China's life insurance industry has grown rapidly into the world's most promising new life insurance market, and the total life insurance volume has maintained a rapid growth. However, we must realize that the life insurance industry in our country is still in the primary stage compared with the life insurance industry in developed countries, and there are many problems to be solved urgently, such as low social recognition, low marketization, and homogeneous products. Development difference between regions and so on. Among them, the imbalance of regional development of life insurance is an important embodiment of the structural contradiction of life insurance industry in China. The significant differences in the regional development level of the insurance industry in China have basically become the consensus of industry circles and regulatory authorities. The government has also issued a series of policies one after another to guide the coordinated and sustainable development of the insurance industry in China. For example, the opinions of the State Council on the reform and development of the insurance industry (2006) clearly put forward the outline of the 12th Five-Year Plan for the Development of the Insurance Industry, and this point is also clearly put forward. Insurance has the functions of social management, fund financing and economic compensation. It plays an important role in a country's national economy, social security system and financial system, while life insurance industry plays an important role in the insurance industry. It can ensure people's living needs, improve people's quality of life, and finally create conditions for enriching people's lives and promoting the overall development of society. In this paper, the life insurance regions in China are divided into four regions: eastern, central, western and northeast. After using the traditional indexes, such as premium income, insurance density and insurance depth, to observe the regional development of life insurance in China. This paper attempts to re-examine the regional development of life insurance industry in China by using the "benchmark density ratio of life insurance", which is a dimensionless relative development index, and draws the conclusion that the life insurance industry in eastern China has experienced a rapid development stage after going through a period of rapid development, which is inconsistent with the traditional method. In the sense of per capita disposable income, the development level of life insurance industry is in the level of regional backwardness, but on the whole, the regional development of life insurance industry is more balanced. After qualitative analysis of the factors affecting the development of life insurance industry in China, this paper chooses the index of life insurance density to measure the regional development level of life insurance industry, the per capita disposable income, the balance of deposit savings per capita, the education level, the level of urbanization, the total dependency ratio. The degree of social security is an important factor affecting the development of life insurance industry in China, and a panel data regression model is established. The results of the regression model of the national life insurance industry show that the per capita disposable income level has the greatest impact on the development of the life insurance industry, and the income elasticity of life insurance demand is greater than 1, which indicates that life insurance products are still a luxury for Chinese residents. The influence of other factors on the development of life insurance industry is basically consistent with theoretical analysis. The regional regression model of life insurance industry shows that the per capita disposable income, total dependency ratio and life insurance density are positively correlated, and the relationship between the other explanatory variables and life insurance density is different among regions. Finally, this paper combines the qualitative analysis and empirical analysis results, and according to the actual problems in the development process of life insurance industry in China, from the relationship between life insurance industry and economic development, life insurance industry itself, policy supervision and so on. Some suggestions are put forward to realize the regional balanced development of life insurance market in China.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62
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