我国保险业发展水平的区域差异研究

Regional Differences in Insurance Development Level in China

根据2011年我国30个省市的8项经济指标,运用SPSS软件进行主成分分析和聚类分析,得到各省市保险业发展水平的分值并把30个省市划分为4类。研究结果表明:保险业发展水平的首要影响因素是其动力因子;保险业发展水平的区域差异明显,整体表现为东部发达、中西部落后。东部地区应凭借资金优势积极培育核心技术,推动产品服务创新;中西部应加快经济发展,积极开发特色险种使其潜在的保险资源优势转化为现实的竞争优势;此外,区域保险一体化是区域经济一体化对保险业发展的新要求。

According to eight economic indicators of China＇s 30 provinces and cities in 2011, this paper uses SPSS software to carry out principal component analysis and cluster analysis, dividing 30 provinces into 4 categories according to their scores. Research results show that dynamic factor is the chief influencing factor of insurance development level, and the regional difference of insurance development level is obvious, with eastern area more developed and the midwest falling behind. The eastern area should make use of the advantages on capital to cultivate the core technology, promoting the innovation of products and services. The midwest area should speed up economic development and develop some special insurance breeds which can convert potential resource advantage into real competitive advantage. Moreover,regional insurance integration is the new requirement for insurance industry under the background of regional economic integration.