长三角地区保险业空间格局演变及其影响因素

Evolution and Influencing Factors of Spatial Pattern of Insurance Industry in the Yangtze River Delta

运用核密度估计和空间自相关方法对2001—2019年长三角县域保险业的空间格局演变展开研究,并采用SARAR模型和地理探测器对其影响因素及空间异质性进行探讨。研究发现:研究期内,长三角保险业的空间分布呈现出由单核向三核一轴带转变的特征;长三角保险业具有显著的空间正相关性,空间集聚分布特征明显;高高集聚型主要分布在上海、苏南与浙东北地区,低低集聚型主要分布在以皖南为代表的安徽大部地区和浙西南地区,低高集聚区和高低集聚区分布相对较为零散,规律性并不明显;经济发展水平、产业结构水平、人口数量是长三角总体以及中心地区保险业发展的影响因素,人口数量是长三角非中心地区保险业发展的影响因素,各因素的交互作用强化了对保险业空间分异的影响。

The evolution of the spatial pattern of the county insurance industry in the Yangtze River Delta from 2001 to 2019 is studied by using kernel density estimation and spatial autocorrelation methods, and the influencing factors and spatial heterogeneity are discussed by using SARAR model and geographic detector. The results show that: during the study period, the spatial distribution of insurance industry in the Yangtze River Delta shows the characteristics of transformation from single core to three cores and one axis belt;the insurance industry in the Yangtze River Delta has significant spatial positive correlation and obvious spatial agglomeration distribution characteristics;the high and high agglomeration type is mainly distributed in Shanghai, southern Jiangsu and northeast Zhejiang, and the low and low agglomeration type is mainly distributed in most areas of Anhui represented by southern region and southwest Zhejiang;the distribution of low and high agglomeration areas and high and low agglomeration areas is relatively scattered, and the regularity is not obvious;the level of economic development, the level of industrial structure and the number of population are the influencing factors for the development of the insurance industry in the entire Yangtze River Delta and the central area. The number of population is the influencing factor for the development of the insurance industry in the non-central area of the Yangtze River Delta. The interaction of various factors strengthens the impact on the spatial differentiation of the insurance industry.