中国省际保险业发展影响因素分析——基于2006-2009年的面板数据实证分析

本文运用固定效应回归模型,对中国省域的保险业发展进行了计量分析。研究结果表明:中国31个省域的保险业发展差距显著,各省域保险业的发展主要受到地区经济发展水平、物价水平、人均收入状况、教育水平和就业状况等因素的影响,并且这些因素对保险业的发展都有着显著的作用。其中GDP,DPI,受教育水平对保险业的发展有显著的正向作用,物价水平及非国有企业职工数与国有企业职工人数比对保险业发展有负面作用。

China provincial insurance industry development factor influence analysis——based on 2006-2009 panel data demonstration analysis

This paper uses a fixed effect regressionmodel, analysing the development of China＇s insurance industry econometrically. The results show that： the gap of insurance industry＇s development between China＇s 31 provinces is significantly sharp. Each province＇s insurance industry development is primarily affected by its＇ economic development, price levels, per capita income, educational level and employment status and so on. These factors affect insurance industry＇s development significantly, where GDP, DPI, level of education has a significant positive effect, the price level and the number of non-state-owned enterprises＇ workers to the state-owned enterprise workers has a negative effect hair station.