广东省人身保险区域差异研究

发布时间：2018-07-18 21:40

【摘要】：我国经济经过38年快速发展,取得了令人瞩目的成绩,GDP总量从1978年3679亿元到2015年689052亿元,从落后经济状况到2015年GDP总量位居全球第二,并且正在不断地向名列第一的美国靠近。经济的成功,带动了各行各业蓬勃发展,保险业也受益其推动力,而得到快速发展。保费收入,从1978年4.6亿元到2015年2.4万亿元,增长了5000多倍,位居全球第三。虽然我国保险业取得了显著的成绩,但是我国保险业发展过程中也出现了不少问题,这些问题影响着我国保险业健康发展。例如:我国区域保险不均衡问题——东部沿海省市保险发展水平显著高于中西部省市。同时,在有些省内的区域也是存在着较大区域保险差异。本文就以广东省为研究区域,了解求证广东省内的人身保险区域差异。通过大量查阅国内外文献。笔者发现,区域保险相关文献,以全国范围的为主,并没有以广东省作为区域范围的文献,并且大部分文献同时研究人身保险和财产保险。所以本文以广东省作为研究区域,并且以人身保险作为研究对象,即是研究广东省人身保险区域差异。在借鉴现有文献以及思考拓展后。第一章,从研究背景和文献综述,介绍了区域保险研究现状和相应成果。第二章,介绍了相关理论基础。例如,区域平衡发展理论、马斯洛需求理论和人身保险等。第三章,文中将广东省分为四个区域研究人身保险区域差异,这四个区域分别为珠三角、东翼、西翼和山区。然后分别从人身保险保费收入、人身保险密度和人身保险深度的静态和动态,求证广东省人身保险区域差异现状。因为在这三个指标中,珠三角都明显远远优于其它三个区域,所以广东省人身保险是存在区域差异的。第四章,研究分析了影响广东省人身保险区域差异的各种因素。例如,从社会保障、人口结构、保险意识、保险业形象和服务水平等角度定性分析了各个因素。第五章,以人身保险密度作为被解释变量,从经济因素主要选取了收入水平、储蓄水平等解释变量,从人口因素主要选取了抚养率等解释变量,从社会因素选取了潜在保源转化率等解释变量,通过面板回归求证各个解释变量对人身保险密度的影响。然后,对全省和各个区域分别进行面板回归,即是做了5个面板回归。然后分析每一个解释变量对全省以及不同区域之间人身保险密度的影响程度,进而实证研究了影响广东省人身保险区域差异的因素。第六章,结合本文分析,分别从外部环境因素、供给因素和需求因素三个角度,提出了平衡广东省人身保险区域差异相关对策建议。例如,向欠发达的东翼西翼山区倾斜财税等对策,以及倾斜监管和人才等措施,提升居民保险意识等努力。
[Abstract]:After 38 years of rapid development, China's economy has made remarkable achievements, from 367.9 billion yuan in 1978 to 68.9052 trillion yuan in 2015, from the backward economic situation to the second place in the world in 2015, and is constantly approaching to the United States, which ranks first. Economic success, driven by various industries flourish, the insurance industry also benefited from its driving force, and rapid development. Premium income rose more than 5000 times from 460 million yuan in 1978 to 2.4 trillion yuan in 2015, ranking third in the world. Although China's insurance industry has made remarkable achievements, there are many problems in the development of our insurance industry, which affect the healthy development of our insurance industry. For example, the development level of insurance in eastern coastal provinces is significantly higher than that in central and western provinces. At the same time, in some provinces in the region is also large regional insurance differences. This paper takes Guangdong Province as the research area to find out the regional differences of life insurance in Guangdong Province. By consulting a large number of domestic and foreign literature. The author finds that the literature on regional insurance is mainly in the national scope, but not in Guangdong Province, and most of the documents study the life insurance and property insurance simultaneously. Therefore, this paper takes Guangdong Province as the research area, and takes the personal insurance as the research object, namely the study Guangdong Province personal insurance regional difference. After drawing lessons from the existing literature and thinking and expanding. The first chapter, from the research background and literature review, introduces the status of regional insurance research and the corresponding results. The second chapter introduces the relevant theoretical basis. For example, regional balanced development theory, Maslow demand theory and life insurance and so on. In the third chapter, Guangdong Province is divided into four regions: the Pearl River Delta, the east wing, the west wing and the mountainous area. Then from the personal insurance premium income, personal insurance density and the depth of life insurance static and dynamic, to verify the status quo of regional differences in personal insurance in Guangdong Province. Because of these three indicators, the Pearl River Delta is much better than the other three regions, so there are regional differences in life insurance in Guangdong Province. In the fourth chapter, the author analyzes the factors that influence the regional difference of life insurance in Guangdong province. For example, the factors are analyzed qualitatively from the aspects of social security, population structure, insurance consciousness, insurance image and service level. The fifth chapter takes the personal insurance density as the explained variable, mainly selects the income level, the saving level and other explanatory variables from the economic factor, and mainly selects the dependency rate from the population factor. Based on the social factors, the potential conversion rate of source preservation and other explanatory variables are selected, and the effects of these factors on the personal insurance density are verified by panel regression. Then, the whole province and each region respectively carries on the panel regression, namely has made 5 panel regression. Then it analyzes the influence of each explanatory variable on the density of personal insurance in Guangdong Province and different regions, and then empirically studies the factors that affect the regional differences of personal insurance in Guangdong Province. The sixth chapter, combined with the analysis of this paper, from the external environment factor, supply factor and demand factor three angles, put forward the balance of Guangdong Province personal insurance regional differences related countermeasures and suggestions. For example, to the underdeveloped east wing west wing mountain area inclines the fiscal and taxation countermeasure, as well as inclines the supervision and the talented person to wait for the measure, raises the resident insurance consciousness and so on diligently.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.62

【参考文献】