中国寿险市场区域非均衡化发展的研究——对中国保险市场形势及六大典型区域市场的分析

A Study on the Non-balanced Regional Development of the Life Insurance Market in China——Analysis on the Market Situation and Six Representative Insurance Markets

中国是一个人口大国,既有东部沿海经济较发达地区,也有西部广大的经济欠发达地区。保险业的发展也不均衡,呈现出东南向西北的梯度特征,这种不均衡表现为:地区发展不平衡、区域内发展不平衡和城乡差别。从全国保险业发展概况、主体竞争格局和区域发展态势三方面分析了中国保险市场现状,重点从市场特点、发展速度、竞争状态、主体数量等方面分析了6大典型保险区域的市场差别,并有针对性地提出差异化的发展建议。

China is a country with big population with economic developed regions in eastern coastal areas, and vast areas in the west are developing regions. The development of the insurance industry is unbalanced as well, with a gradient feature from southeast to northwest including unbalanced development of different regions, unbalanced development inside different regions, and the differences between urban and rural areas. The paper makes an analysis on the status quo of the insurance industry in China from three aspects, and the emphasis is put on the analysis of market differences among six representative insurance regions. Suggestions on difference - oriented development are proposed accordingly.