摘要
基于保险密度和保险深度指标,利用2001年～2009年数据,研究中国保险业区域发展差距的情况,并得到研究成果,一是以保险密度为标准,2003年后我国区域保险业的发展呈现σ收敛、β收敛以及跨越式增长态势;二是以保险深度为标准,2003年之后我国区域保险业的发展基本呈现σ发散态势;三是以保险密度为衡量标准的区域保险业发展水平具有空间收敛的性质,而以保险深度为指标则不存在空间相关;四是人身保险对保险业区域差距的贡献度更大,其变动特点决定了保险业整体区域发展差距的变动特点;五是以保险密度指标衡量,对保险业区域发展差距贡献最大是三大地区间的差距,但有下降趋势,以保险深度指标衡量,则三大地区间差距是最小的差距来源,西部地区内部差距的贡献度提高得极为迅速。
Based on indicators of insurance density and insurance depth, this paper studied the regional develop- ment gap for China＇s insurance industry using data from 2001 to 2009. We reached the following conclusions： first, using insurance density as standard, China＇s regional development showed o＂ convergence, 13 convergence and leap- frogging ever since 2003 ;second ,using insurance depth as standard, China＇s regional development showed ~r diver- gence during the same period ; third, using insurance density as measurement, the regional development of insurance had the nature of spatial convergence, but the same conclusion for insurance depth was not true ; forth,life insurance had a greater effect on regional disparities, which determined the whole characteristics of development gap;fifth, u- sing insurance density as measurement, the inter-region gaps was the greatest contribution factor for the regional dis- parity, but with a downward trend;while for the insurance depth, the inter-region gaps became the least factor, and the effect of the gap within the western region had a rapidly growing rate.
出处
《保险研究》
CSSCI
北大核心
2012年第3期12-23,共12页
Insurance Studies
关键词
保险业
收入差距
敛散性
不平等分解
insurance industry
income gaps
the convergence and divergence
inequality decomposition
