保险产业集聚效应及其竞争力探源

On Combined Effect of the Insurance Industry and its Competitiveness

产业集聚反映着保险业市场主体的价值链上下游整合与空间布局关系。由于保险业产业自身特性及国际金融以混业经营为其主流,国际上很少形成单一的保险业集群,保险业集聚寓于金融集聚之中;又由于传统保险业的技术专用性较低,故而保险业产业价值链比较简单,保险业的地域集中具有优于保险业前后向整合,打通产业链的竞争优势。保险业集聚有利于产品业务创新,业务外包和保险产业资产结构轻型化,可从根本上提升整体产业的竞争力。

Industrial clustering reflects the insurance industry ＇ s main players in the market value chain upstream and downstream integration, and space layout relations. Because of the insurance industry and a mixed operation for the international financial mainstream, very few international insurance industry formed a single cluster, the insurance industry concentrated in the financial gathering. At the same time as the traditional technology for the insurance industry of comparatively low, therefore the in-surance industry value chain is relatively simple. The geographical focus on the insurance industry to the insurance industry before and after the integration, then opened up the industry chain. The insurance industry gather to business innovation, business out-sourcing and asset structure of the insurance industry light, can fundamentally improve the overall industrial competitiveness.