中国保险业成熟度指数分析

An Analysis of the Maturity Index of China's Insurance Industry

中国保险业经过了30多年的高速增长,巨大的市场发展潜力和数字化浪潮的助推,使得中国跻身国际最具有吸引力的保险市场。目前,对中国保险业发展程度的测度和评价指标,具有单一性,如保费收入、保险密度、保险深度等常用指标,难以直观、全面测度整个行业的发展状态。保险业成熟度指数,作为一个综合性的评价指标,能够有效、客观地反映保险业的发育成熟水平及面临的问题。文章运用主成分分析法对2000-2014年保险业指标数据进行综合评价,并以指数化形式展现保险成熟度,在此基础上分析保险成熟度指数与我国保险市场发展的吻合程度,并由此提出相关建议。

China’s insurance industry has experiencedrapid growth in the past30years,the huge market potentialand the wave of digital boost,making China one of the world’s most attractive insurance marketing.At present,the measureand evaluation degree of development of the insuranceindustry is single,such as premium income,insurance density,insurance depth index,the development of the state is difficultto fully and directly measure the whole industry.The insuranceindustry maturity index,as a comprehensive evaluation index,can effectively and objectively reflect the development leveland the insurance industry is facing,this paper uses principalcomponent analysis to the comprehensive evaluation of theinsurance industry index data of2000-2014,and the index formof insurance maturity,degree of agreement on the basis of theanalysis of insurance maturity index and the development ofChina’s insurance market and put forward relevant suggestions.