我国保险业区域发展协调度研究——基于“区际”视角

The Empirical Study on the Coordination Degree of China’s Regional Insurance Development: Based on the Inter-district Perspective

我国保险业"十二五"规划,将优化保险区域结构,统筹城乡保险市场,促进东、中、西部保险市场协调发展列为重要任务。本文从区际间的角度出发,将我国大陆31个省市自治区进行保险区域划分,分为四大保险区域,以2001年～2011年的保险业基本数据为基础,分别按照保费收入法、保险密度法、保险深度法、保险业绩指数法以及保险基准深度比进行定性分析,发现我国保险业的区域关系是较为和谐的,而且从长期走势来看,这五种方法分析的结果也趋于一致。在此基础,本文运用加权变异系数构建协调度模型,从上述五个角度对保险业区域协调度进行定量分析,测算结果与定性分析的结果完全一致。

The 12th Five-year plan of China＇ s insurance industry has laid down the important tasks to optimize the regional structure of the insurance industry, coordinate urban and rural development, and promote the harmonious development of eastern, central and western insurance markets. From the inter-district perspective, the paper divided the 31 provinces, cities and autonomous regions into four regions. Then, based on the insurance industry data from 2001 to 2011, it conducted qualitative analyses by premium income method, insurance density method, insurance penetration method, insurance performance index method, and benchmark ratio of insurance penetration method respectively. The results of these five methods indicated that regional insurance development was quite harmonious. Moreover ,from the long-term perspective, the analysis results tended to be consistent as well. On the base of these analyses, the paper constructed the Coordination Degree Model with the weighted coefficients of variation. The results of quantitative analyses from the above-mentioned 5 aspects were the same to the results of qualitative analyses.