我国区域保险业关系及其发展研究

发布时间：2018-05-24 19:36

本文选题：保险业 + 区域关系　；参考：《武汉大学》2014年博士论文

【摘要】：我国保险业恢复发展三十五年来,取得了巨大进步,服务经济社会的能力不断提高。但由于经济基础、资源禀赋、政府管制等方面原因,我国区域间保险业发展呈现出较为明显的不均衡性,区域内保险业市场也存在非理性竞争、对经济社会促进作用小等问题。基于此,本文选择以我国区域保险业关系及发展研究为题,客观分析区域保险业发展现状,厘清区域保险业关系,发挥保险公司、保险行业社会组织、社会、政府管制等多个主体积极作用,推动区域保险业科学发展。本文运用实证分析与规范研究相结合的方法,围绕区域保险业关系及发展为主题,对国内外文献进行系统整理,并以商业保险基本理论、产业发展理论、区域经济发展理论、社会治理与政府管制理论为理论基础进行研究。本文共分九章四大部分。第一部分(第一章、第二章、第三章),建立全文研究理论框架。该部分首先明确了区域保险业关系内涵,包括区域保险业发展差距、区域内保险市场主体竞争关系、区域内保险市场与区域经济社会发展之间的互动关系等三个方面,建立了区域保险业关系判断指标体系。同时与区域保险业关系内涵相适应,界定了区域保险业发展的内涵,并明确了区域保险业发展的基本原则。第二部分(第四章、第五章、第六章)从三个方面论述我国区域保险业发展的现状。首先,定量分析四个区域保险业发展差距,指出区域间经济发展水平不同、社会条件不平衡、保险供给不平衡、部分保险管制政策不科学等是造成区域保险业发展差距大的主要原因,并运用克拉森区域分类法对2007年世界经济危机之后的各区域保险发展差距演变趋势进行分析。其次,从市场结构、市场行为、市场绩效三个方面分别对区域财产保险业、区域人身保险业进行分析,揭示了我国区域内保险市场组织不合理的现状。第三,通过相关性检验及协调度测试方法,揭示区域保险业与区域经济增长相关性、区域保险系统与区域经济社会系统的协调度,并通过实证分析得出区域保险业促进经济社会发展的功能作用远未发挥的结论。第三部分(第七章),主要介绍世界主要国家和地区保险业发展情况、经验作法及重要保险险种的发展政策,总结出值得中国保险市场需要借鉴的经验。第四部分(第八章、第九章),根据社会治理理论,分别从保险公司、保险行业社会组织、社会公众及新闻媒体、政府管制等不同主体,阐述了推动区域保险业发展的实现路径,并对保险行业管制提出改革思路。本文得出的主要结论如下：一是我国保险业区域发展差距在缩小,但仍有待改善。二是区域内保险市场结构集中度高,竞争激烈,产品同质化严重,违法违规行为频发,市场绩效不理想,大部分中小公司经营困难。三是区域保险市场与区域经济社会整体处于低度失调或低度协调状态,区域保险促进区域经济社会发展的功能作用缺失。四是区域保险业发展需要保险机构、保险行业组织、社会公众以及政府等多个主体共同参与推动。
[Abstract]:Since the development of insurance industry in our country has made great progress in the past 35 years , the capacity of the service economy has been improved continuously . However , because of the economic foundation , resource endowment , government regulation and so on , the development of regional insurance industry in our country presents a more obvious imbalance . In this paper , we choose to study the current situation of regional insurance industry , to clarify the relationship of regional insurance industry , to play an active role in the insurance industry , social organization , society , government regulation and so on , and to promote the scientific development of regional insurance industry .

This paper uses empirical analysis and normative research to study the relationship and development of regional insurance industry , and systematizes the literatures at home and abroad , and studies the basic theories of commercial insurance , industrial development theory , regional economic development theory , social governance and government regulation theory .

The first part ( chap . I , chap . II , chap . III ) establishes the theoretical framework of full - text research . This part firstly defines the connotation of regional insurance industry relationship , including the development gap of regional insurance industry , the competition relation between the insurance market subject in the region , the inter - regional insurance market and the regional economic and social development , and establishes the regional insurance industry relation judgment index system . At the same time , it defines the connotation of the development of regional insurance industry and clarifies the basic principle of regional insurance industry development .

The second part ( chapter 4 , chapter 5 , chapter 6 ) discusses the present situation of the development of regional insurance industry in our country from three aspects . Firstly , it analyzes the development gap of regional insurance industry , points out that the regional economic development level is different , the social condition is unbalanced , the insurance supply is unbalanced , some insurance control policy is not scientific and so on , it reveals the relationship between the regional insurance industry and regional economic growth , the regional insurance system and the regional economic and social system , and obtains the conclusion that the regional insurance industry promotes the function of economic and social development .

The third part ( Chapter 7 ) mainly introduces the development of insurance industry in the major countries and regions of the world , the empirical practice and the development policy of important insurance coverage , and summarizes the experiences that deserve to be used for reference in China ' s insurance market .

In the fourth part ( Chapter 8 , Chapter 9 ) , according to the theory of social governance , different subjects such as insurance companies , insurance industry , social organizations , social public , news media , government control and so on are expounded , the realization path of the development of insurance industry in the region is expounded , and the reform thought is put forward for the regulation of insurance industry .

The main conclusions are as follows : First , the regional development gap of the insurance industry in our country still needs to be improved . The second is that the regional insurance market has high concentration , fierce competition , serious product homogeneity , frequent violation of the law , unsatisfactory market performance and lack of functional role of the regional insurance for the economic and social development of the region .
【学位授予单位】：武汉大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F842.7

【参考文献】