我国保险密度和保险深度的空间统计分析——基于R语言

Spatial Statistical Analysis of Insurance Density and Insurance Depth in China:Based on R Language

近年来,我国保险业发展呈迅猛态势,总保费收入与人均保费收入均有大幅度提升,但保险市场的空间不均衡性也越发凸显。本文采用我国2018年的保险深度和保险密度作为衡量保险市场的指标,并使用R语言对其进行空间数据分析。通过空间分布模式、空间自相关方面进行统计分析,最终结果显示,我国保险密度和保险深度在空间分布上确实存在明显的空间不均衡,并针对此种情况提出相关建议。

In recent years,China's insurance industry has developed rapidly,with total premium income and per capita premium income increasing significantly,but the spatial imbalance in the insurance market is also more obvious.This article uses China's 2018 insurance depth and insurance density as indicators to measure the insurance market,and uses R to analyze the data from the spatial distribution model and spatial autocorrelation.The final result shows that there is indeed a significant spatial imbalance in the spatial distribution of insurance density and insurance depth,and relevant suggestions are made for this situation.