中国保险业发展的影响因素及地区差异分析

The Analysis of Influencing Factor and Differences of Insurance Industry Development among Different Regions in China

本文研究表明,推动中国保险业长期稳定快速发展的根本动力是中国经济的长期持续快速发展;社会保障与商业保险之间没有相互替代关系;引起地区间保险业发展不平衡的主要原因是经济发展水平的差距、经济开放程度的差距、社会保障水平的差距以及人们风险意识的差距;2004年底中国保险业全面开放,外资将积极开发中国保险市场,中国保险业应未雨绸缪,根据影响中国保险业发展因素的区域特点,在大力发展东部地区保险业市场的同时,配合西部大开发和振兴东北区域经济发展战略及区域经济政策,适当加大中、西部保险市场的开发力度,促进中国保险业的协调发展。

By the study,we find that the fundamental factor that impels the development of Chinese insurance industry is the fast and stable economic development. There is no substitution relationship between social security and commercial insurance. The main reasons of imbalance development between different regions are the gap of economic development level, economic opening level, social security level and people's risk consciousness. Chinese insurance industry will open entirely in the end of 2004. Foreign capital will actively invest in Chinese insurance market. China should prepare to improve the harmonious development of Chinese insurance industry among different regions in terms of the different influencing factors of insurance development and different economic strategies and policies among different regions