中国保险业发展区域差异的影响因素研究

摘要

本文运用2003—2009年中国东、中、西部地区的面板数据对影响地区间保险业发展差异的因素进行实证研究，结果表明：引起地区间保险业发展差异的主要原因是经济发展水平的差距、城乡居民储蓄的差距、经济开放程度的差距、社会保障水平的差距。因此加快经济发展、提高居民储蓄、加大社会保障的支出和加大西部保险市场的开发力度能够促进中国保险业的协调发展。%The paper attempts to use the panel data of the east, central and west regions in China from the year 2003 to the year 2009 to analyze differences of insurance industry development. The result shows that the main reasons of imbalance development between different regions are the gap of economic development level, saving deposits of urban and rural residents level, social security level and economic opening level. So the fast development of national economy, the enhancement of urban and rural residents＇ awareness the enhancement of expenditure on social security and the fast development of economic opening will prompt the harmonious development of Chinese insurance industry.