影响我国产险发展因素的实证分析

An Empirical Analysis of the Factors Affecting Property Insurance Development in China

采用2004-2010年我国36个地区的有关数据,对影响我国产险发展的相关因素进行实证分析。结果表明国内生产总值、上一期赔款、市场垄断对其影响显著,而固定资产投资、保险公司的数量对其影响并不太显著。最后对产险发展提出一些政策建议。

This paper uses the data of 36 regions of china from 2004 - 2010 for empirical analysis of the relevant factors to affect China＇ s property and casualty insurance development. The results show that the gross domestic product （GDP） , previous period claim and market monopoly have sianificant influence on it. While fixed assets investment and the number of insurance companies have less influence. Finally, the authors propose some policy suggestions on the development of the property and casualty insurance.