论我国保险市场区域均衡发展——基于保险需求的理论与实证

On Regional Development of the Insurance Industry in China:Theoretical and Empirical Analysis of Insurance Demand

本文首先分析了保险市场区域均衡发展的内涵。通过分析区域保险需求的影响因素,以及区域保险市场发展水平与经济发展水平关系的实证研究,结果表明各地区保险市场发展水平并不会随着经济的发展而必然趋同,保险市场环境的差异是导致区域保险市场发展水平差异的一个重要因素。因此,需要通过政策引导,以建立保险市场自我发展机制、释放需求潜力。

This paper discusses the correct definition of regional equilibrium at first. Then, it studies the deter-minant factors of regional insurance demand and the relationship between regional economic development and regional insurance development. The result indicates that the differences of regional insurance development will not necessarily narrow and disappear as the result of economic development. Therefore, there is a need to take measures in order to set up the self-development mechanism of regional insurance market and thus release re-gional insurance demand.