中国保险需求地区差距的实证研究

本文分别构建了我国地区人身险和财产险影响因素的实证模型，使用1996年～2008年的省际面板数据，重点采用动态系统GMM估计方法，检验人身险和财产险需求地区差异的动态形成机制。研究发现：与人身保险需求相比，财产保险需求近年来的“习惯形成”特征更为显著，收入水平的增长更有利于加快当前财产保险市场的发展；东部省份的经济发展...

Empirical study on regional disparity of insurance demand in China

This paper set up two empirical models to identify the determinants of regional life insurance and property insurance demands on the basis of the interprovincial panel data of 1996-2008.It mainly used the dynamic system GMM estimation method to verify the dynamic formation mechanism of regional differences in China’s insurance needs.This paper revealed that compared with the demand for life insurance,the "habit formation" feature of property insurance needs was more significant,and the disposable income growth was more conducive to speeding up the development of the property insurance market.Moreover,the study also indicated that the economic development level of Eastern provinces had significant positive effects on life insurance premiums,but the level of economic development in Central and Western regions had constraining effects on property insurance premiums,and compared with life insurance,this constraining effect was significantly greater.The number of insurance companies,per capita deposits and urbanization level were also key factors to explain the differences.Therefore,reducing regional economic disparities and regional insurance market differences,strengthening the coordination of product structure and the development of the insurance market were important ways to reduce regional differences of the insurance industry′s development.