中国寿险业区域划分研究

Study of Region Division of Life Insurance in China

保险业区域发展的不均衡,将会阻碍保险业整体发展,最终制约区域经济的协调和竞争,导致区域经济差异的进一步扩大。因而,研究我国区域保险业发展现状和差异,对促进各区域间保险市场的均衡有序发展具有重大意义。在传统上,我国的保险市场被划分为东、中、西三大区域市场,这种划分难以体现经济社会发展进程中各省份之间保险发展水平的差异性与相似性,更难以符合当前保险市场发展的实际和要求。结合因子分析法与聚类分析法,依据区域经济发展水平、区域保险供给能力和市场发展程度、区域保险需求要素等主要指标,对我国保险区域进行重新划分。

The wholesome development of insurance market,collaboration and cocompetition in regional economy,would be impeded due to disequilibriums among various regions in the insurance industry of China,which also eventually bring about intensive augmentation of the gap in regional economy.Hence,it is of great significance to study the regional development of present insurance industry for progressing such equilibrium for being formed.Troditionally,insurance market in China was divided into easten,middle and western part,whereas such division can hardly reflect similarities and disparities lies in different regional market.In this article,factor analysis and clustering analysis are used as means to redivide regional markets in insurance industry,under the basis of indexs which evaluating regional economy,abilities of supply and demand and degree of marketing development in regional markets.After this,there comes the conclusion that it is of gigantic neccesity to set up resonable mechanism of the whole industry for setting free potential demand in insuance market and enhancing the counterbalancing development of regioal markets according to different situations among those regions.