区域保险差异及协同发展研究

本文通过实证分析得出东、中、西部保险在区域保费收入、保险密度、保险深度、区域保费增长数量及速度、保费收入的GDP弹性、潜在保源转化率上有较大差距,而在保险结构、保险经营、保险法律、保险监管等方面呈现出趋同性,没有多大的差别和明显的区域保险特色.因此,应从区域保险实际出发,充分发挥东部保险的带动和辐射作用,制定中、西部保险发展的差异化扶持政策,实施区域保险经营行为差异化,以促进区域保险协同发展.

The Research of Diversity and Coordinated Development in Regional Insurance

Diversity is the most typical characteristics of regional insurance. Through empirical study,the findings show that there are great differences in terms of regional insurance premium income,insurance density,insurance depth,quantity and speed of regional premium growth,the elasticity of premium income to regional GDP,and potential insurance conversion ratio among the eastern,central and western regions of China.However,the insurance structure,insurance operations,insurance laws and insurance supervision are...