摘要
本文在"寿险基准深度比"的分析框架下,对2010年中国各省区和东、中、西三大区域的寿险业发展进行了横向比较,并对1998年～2010年中国东中西三大区域的寿险业发展进行了纵向比较。研究的基本结论是:中国各省的寿险业相对发展水平呈现出与传统判断不同的态势,从可比意义的"相对于经济发展的寿险业发展水平"的视角来看,近几年中国寿险业发展开始呈现出"中、西、东依次递减"的趋势。基于此,笔者的政策建议是:从寿险监管政策的角度看,不宜再简单地提"向中西部倾斜"的政策;从寿险公司区域布局的角度看,不宜简单地提"中西部优先"的战略。
Under the framework of ＂life insurance benchmark penetration ratio＂, the paper made a horizontal comparison of the development of the life insurance industry in all provinces and in the eastern, western and central parts of China in 2010. It also made a vertical comparison of the industry＇s development in these areas during the period of 1998 -2010. The conclusions drawn from this research were as follows：the relative level of development of the life insurance industry in all provinces tended to differ with traditional thinking. When applying the comparable perspective of ＂life insurance development relative to economic development＂, the growth of the industry exhibited a tendency of progressive decrease in the order of the central, western and eastern regions. Based on this finding, the author suggested that from the regulatory policy＇s perspective, we should not simply promote ＂tilting towards the central and western regions＂, and from the regional layout＇s perspective of life insurance companies,we should not simply promote a strategy of ＂prioritizing the central and western regions＂.
出处
《保险研究》
北大核心
2011年第10期3-13,共11页
Insurance Studies
基金
中国保险监督管理委员会研究课题"中国保险业区域发展比较研究"(QNA200812)的最终成果之一
关键词
寿险业
比较
基准深度比
life insurance
comparison
benchmark penetration ratio
