中国寿险业发展的地区差异研究—基于O-B分解的实证

Research on Regional Differences of the Development of Life Insurance Industry in China——Based on the Solid Evidence Resolved with O-B

以中国199个地级市为研究对象,通过O-B分解可以将解释变量对被解释变量的影响分解为特征效应与系数效应的优势,对中国寿险业发展的地区差异的影响因素进行了定量分析,揭示寿险业发展的内在影响机制。实证结果表明:第一,寿险业的发展同时受到地区生产总值和城乡居民储蓄存款两个方面因素的影响,二者不可偏废;第二,寿险业发展的地区差异显著,且这一差异主要由特征差异引起。

In this paper,O-B decomposition which can decompose the impact of explanatory variables on dependent variable into characteristics effect and coefficients effect,is used to study the regional difference of development of life insurance.Empirical analysis is based on 199 prefecture-level cities in China.The results tell us two facts.Firstly,GDP and deposits of urban and rural residents have positive effects on the development of life insurance,and neither of them can be overlooked.Secondly,the regional difference of development of life insurance is notabce,and the characteristics effects are the dominant factors for regional difference of development of life insurance.