河北省保险市场区域差异实证研究

An Empirical Research on Regional Differences of Insurance Markets in Hebei Province

文章在分析河北省保险市场区域差异现状的基础上,选取保险类和经济类指标,利用因子分析和聚类分析对河北省各地市保险市场的差异进行了实证分析。结果表明,河北省保险市场区域差异显著,引起河北省保险市场区域性差异的原因主要是保险市场自身建设和外部宏观经济环境的差异。文章据此提出相应的政策以缩小河北省各地区保险市场的差异。

Based on the analysis of regional differences status quo of insurance markets in Hebei province, this paper conducts an empirical analysis by selecting indexes in insurance field and economic or financial field and using factor and cluster analysis to research the differences of insurance markets in different regions of He- bei province. The results show that there appear regional differences in the insurance markets in Hebei, and that the causes of the regional differences exist in the self-constructipn of insurance markets and the external macro- economic environment. This paper also puts forward the corresponding countermeasures aiming to narrow the differences in insurance markets in different regions.