保险业空间集聚的动因及效应:九大城市群视角

Research on the Causes and Effects of Spatial Agglomeration of China's Insurance Industry: A Case Study of China's Nine City Clusters

本文从空间成本、规模经济、本地市场以及政府参与四个方面分析保险业空间集聚的内在动因,并基于2005-2015年中国152个地级市及以上城市相关数据,采用空间统计方法对九大城市群保险业空间集聚动因及其溢出效应进行实证研究。结果表明:九大城市群保险业集聚程度总体呈上升趋势,京津冀、长三角和珠三角城市群的保险集聚程度相对较高。随着时间推移,我国城市保险业空间集聚大致呈由"低-低"模式向"高-高"模式演化。地理距离邻近城市的保险集聚发展存在空间关联性,城市行政层级的提高能够显著增强这种空间关联性。信息因素、规模经济因素以及本地市场因素对保险业空间集聚产生正向促进作用,且空间溢出效应明显,而政府参与因素在各城市群中的影响作用具有显著差异。

We study the internal causes of spatial agglomeration of insurance industry from four aspects: Information cost, economies of scale, local market and government participation, and Taking China's nine city clusters, including 152 cities from 2005 to 2015, use spatial statistical method to analyze the spillover effect of insurance agglomeration. The results show that:(1) The degree of insurance agglomeration is continuously evolving from low to high on the whole. The degree of insurance agglomeration of Beijing-tianjin-hebei city cluster, Yangtze river delta city cluster and Pearl river delta city cluster are relatively high. As time goes on, the model evolves from "low-low"clustering model to "high-high" clustering model.(2) Proximity of geographical distance and improvement of urban administrative level can significantly enhance spatial relevance in the insurance agglomeration development. Information factor, scale economy factor and local market factor have positive effect on insurance agglomeration, and the spatial spillover effect is obvious, while the influence of government participation factor in different city cluster is significantly different.