中国保险市场地区差距:1989-2008

On Regional Difference of Chinese Insurance Market:1989—2008

本文运用标准差系数作为衡量地区差距的指标，在对其进行相对化和指数化处理后建立地区差距指数，以衡量保险市场发展水平的地区差距及变化趋势，实际测算结果表明，1989年-2008年期间，我国保险市场发展水平的地区差距确实扩大了，但是扩大的趋势在减弱。本文通过实证研究表明，各地区保险需求弹性的差异是导致保险市场发展水平地区差距扩大的直接原因；而保险市场发展水平的不协调性是导致地区差距扩大的深层原因；近年来保险市场发展的协调性程度逐步提高，这是保险市场地区差距扩大趋势减弱的主要原因所在。因此，建立保险市场的自我发展机制，以促进保险需求的合理释放，是促进保险市场协调发展、缩小保险市场地区差距的有效途径。

This paper develops a regional disparity index through relativization and indexation of standard-variance coefficient to evaluate the regional difference of insurance market. The empirical analysis results of the index from 1989 to 2008 indicate that although the regional gap of insurance market in China has actually widened,the velocity of this trend is weakening. It also demonstrates that the difference of regional insurance demand elasticity is the direct reason which leads to the regional disparities of insurance market, while the underlying reason is lack of coordination between regional insurance market developments. In recent years, the insurance markets have exhibited a higher degree of coordination, which is the main reason of smaller regional disparities of insurance market. Establishing a self-development mechanism is an effective approach to promote coordinated development of insurance markets and reduce regional disparities.