中国保险密度区域性差异的影响因素分析——基于2000-2006年Panel Data模型

Analysis on Reginal Distriction of China Insurance Indensity——Based on Panal Data of 2000 to 2006

对2000-2006年中国东部、中部、西部地区保险密度的差异进行了比较,对保险密度的影响因子进行了主成分分析,利用Panel Data模型分别对东部、中部、西部地区进行回归分析,研究表明:引起各地区保险密度差异的因素主要有地区人均GDP、人均消费水平、文化程度、城市化、产业结构、社会福利费用、性别比和年龄结构等,不同地区保险密度的影响因素和影响程度不同。为了缩小保险密度区域性差异,应针对不同地区采取相应的政策措施。

This paper firstly divides the 30 provinces and autonomous regions into eastern, central, and western, and observes their distriction in insurance density in 2000 to 2006, then carrys out a principal component analysis in the multi - dimensional statistical analysis to seven year average insurance indensity influence factors for the nation, and synthesizes the new comprehensive factors according to the principal components analysis result weighting. Leading to distriction of insurance industry between areas are GDP factors, the ievel of consumption, education level, the urban population ratio, the industrial structure, social welfare costs as well as sex ratio and age structure and so on. At last, analyses and compares panel data on the eastern, central and western regions in 2000 to 2006, obtains that the primary factors of distriction in various reginal insurance indensity are economic factors and social security level. To improve our national insurance indensity and narrow reginal distriction between different region, different region should take defferent