我国财产保险市场的空间统计分析

Statistical Analysis of Property Insurance Market Space in China

以我国31个省(市、自治区)的保险密度和保险深度为属性数据,利用ArcGIS和GeoDa软件,运用空间统计方法,对我国财产保险市场的地区空间差异进行实证分析。结果表明:我国财产保险的保险密度与保险深度的分布特征在南北方向上基本一致,在东西方向上不一致;各地区保险密度的分离度高于保险深度的分离度;我国财产保险发展存在显著的空间自相关和空间聚集现象。

This paper studies the spatial dynamics of regional disparities at the province level in China by analyzing property insurance density and penetration data of 31 provinces with support of ArcGIS and GeoDa software. Empirical resuhs show： the characteritstics of distribution of insurance density and insurance penetration are different. The regional disparities of insurgence density are larger than insurance penetration. There are significant phenomenon of spatial autocorrelation and clustering in Chinese property insurance market, and the development of regional property insurance has obvious regular in spatial pattern.