京津冀城市群人身保险的发展水平、空间演化及影响因素

The Development Level and Spatial Evolution of Personal Insurance Industry in the Beijing-Tianjin and Hebei City Chain and Affecting Factors

本文分析了2002年至2012年京津冀城市群中人身保险行业的空间格局变化,利用Arcgis软件对京津冀城市群中10个城市的人身保险密度和人身保险深度进行了描述性分析,并且探讨了该10个城市人身保险行业的联系程度。通过研究发现,人身保险行业在京津冀城市群中的发展受到经济因素、人口因素、保险市场和区域因素等影响,最后本文利用2007-2012年的人身保险的保费收入与常住人口、人均家庭可支配收入、保险公司的分布数量和历年的保险赔付等变量数据进行了面板分析,得出了京津冀地区人身保险保费收入的模型。

The paper analyzed the spatial pattern change of personal insurance business in the Beijing-Tianjin-Hebei city chain from 2002 to 2012. By using the Arcgis software, it elaborated on the insurance penetration and density of the ten cities in the chain and the connection of the insurance industry among these cities. The results showed that the development of the life insurance industry in this city chain was affected by economic factors, demographic factors, insurance markets, regional factors and others. Furthermore, the paper conducted a panel analysis on the data from 2007 to 2012 on the life insurance premium income, residential population, disposable household income per capita, distribution of insurance companies and insurance benefit and claim payments, etc. , and drew out the life insurance income model in this city chain.