影响中国非寿险发展的区域社会因素分析

发布时间：2018-04-15 04:24

本文选题：非寿险 + 区域　；参考：《资源科学》2017年02期

【摘要】：2015年中国非寿险保费收入达到7995亿元1),已经成为国民经济发展的重要组成部分。随着中国非寿险整体规模的扩大,各区域的非寿险发展差距逐渐扩大。非寿险区域发展不平衡会制约非寿险长期、持续、健康的发展,因此分析影响各区域非寿险发展的影响因素具有重要的现实意义。本文运用各地区的面板数据分析影响非寿险发展的社会因素,并对比不同区域影响非寿险发展的社会因素的异同。研究结果表明,影响中国非寿险发展的社会因素不仅包括受教育程度、社会保障水平、人为事故等已经被理论界证实的因素,还包括城镇化、就业水平、法律法规、卫生条件等,这些因素都与民生建设息息相关,因此加快民生建设有利于非寿险的持续发展。实证结果也证实影响不同区域非寿险的社会因素有所不同,例如城镇化对东北和南部沿海地区非寿险影响不显著,但对其他地区影响显著;受教育程度对北部沿海和东部沿海地区影响不显著,但对其他地区影响显著。最后,本文以影响各区域非寿险的因素为依据,对不同区域非寿险的发展提出相应的政策建议。
[Abstract]:China's non-life insurance premium income reached 799.5 billion yuan in 2015, which has become an important part of national economic development.With the expansion of the whole scale of non-life insurance in China, the development gap of non-life insurance in different regions is gradually widening.The unbalanced regional development of non-life insurance will restrict the long-term, sustained and healthy development of non-life insurance, so it is of great practical significance to analyze the influencing factors that affect the development of non-life insurance in various regions.This paper analyzes the social factors that affect the development of non-life insurance by using the panel data of different regions, and compares the similarities and differences of the social factors that affect the development of non-life insurance in different regions.The results show that the social factors affecting the development of non-life insurance in China include not only the educational level, social security level, man-made accidents and other factors that have been confirmed by the theoretical circle, but also urbanization, employment level, laws and regulations.These factors are closely related to the construction of people's livelihood, so speeding up the construction of people's livelihood is conducive to the sustainable development of non-life insurance.The empirical results also confirm that the social factors affecting non-life insurance in different regions are different. For example, urbanization has no significant impact on non-life insurance in the northeast and southern coastal areas, but has a significant impact on other areas.The influence of education level on the northern and eastern coastal areas is not significant, but on other areas.Finally, based on the factors affecting non-life insurance in different regions, this paper puts forward corresponding policy recommendations for the development of non-life insurance in different regions.
【作者单位】：中国科学院地理科学与资源研究所;中国人民财产保险股份有限公司;
【分类号】：F842.6

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