本文關(guān)鍵詞：中國保險業(yè)區(qū)域發(fā)展及影響因素研究　出處：《山東大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著中國工業(yè)化、城鎮(zhèn)化進程的不斷加快,社會多元化趨勢的繼續(xù)發(fā)展,人民群眾保險需求日趨多樣,國內(nèi)保險市場容量持續(xù)擴大,中國保險業(yè)得到穩(wěn)步快速發(fā)展。然而,在保險業(yè)快速發(fā)展的同時,也不可避免的積累了一些矛盾和問題,其中比較嚴(yán)重的便是保險業(yè)區(qū)域間存在較大差異,而差異過大不利于有效的市場競爭格局的形成,很容易導(dǎo)致區(qū)域間發(fā)展的不均衡,對中國保險業(yè)持續(xù)、健康、快速發(fā)展產(chǎn)生不利影響。在這樣的背景下,深入研究中國保險業(yè)區(qū)域發(fā)展的現(xiàn)狀及影響因素,對于實現(xiàn)中國保險業(yè)區(qū)域均衡發(fā)展,進而實現(xiàn)社會全面、協(xié)調(diào)和可持續(xù)發(fā)展具有重要的理論和現(xiàn)實意義。 本文在前人研究的基礎(chǔ)上,詳細(xì)描述了保險業(yè)區(qū)域發(fā)展的現(xiàn)狀,理論和實證分析了中國保險市場區(qū)域發(fā)展的影響因素,積極探索了促進中國保險業(yè)區(qū)域均衡發(fā)展的路徑。寫作總共分為五章,第一章為緒論,主要概述了寫作該論文的背景及意義,研究思路及框架、可能有的創(chuàng)新點及不足之處等；第二章為文獻綜述,在閱讀大量國內(nèi)外文獻的基礎(chǔ)上,整理了國內(nèi)關(guān)于保險業(yè)區(qū)域發(fā)展的相應(yīng)研究,并且由于發(fā)達(dá)國家很少有專門針對保險區(qū)域發(fā)展的相關(guān)研究,因此,綜述了國外有關(guān)區(qū)域經(jīng)濟的均衡發(fā)展研究,也為本文論述保險市場區(qū)域發(fā)展提供了一定的參考；第三章為中國保險業(yè)區(qū)域發(fā)展的現(xiàn)狀分析,主要基于省際視角,從靜態(tài)和動態(tài)的角度量化分析了中國各個省份的保險市場在保費收入、保險密度、保險深度以及保險基準(zhǔn)深度比等方面的具體差異；第四章為中國保險市場區(qū)域發(fā)展的影響因素分析,本章兼顧定量與定性研究,在對中國保險市場區(qū)域發(fā)展的影響因素作了定性歸納的基礎(chǔ)上,結(jié)合計量經(jīng)濟學(xué)的方法實證研究了中國保險業(yè)區(qū)域發(fā)展的影響因素,并對其影響程度作了量化分析；第五章為結(jié)論及政策建議,本章結(jié)合前幾章的分析結(jié)果探索性地提出了實現(xiàn)中國保險市場區(qū)域均衡發(fā)展的相關(guān)政策建議。 本文的研究在理論層面上拓寬了保險經(jīng)濟理論的視野,為保險市場發(fā)展提供了更為精確的研究途徑。在現(xiàn)實層面上有利于調(diào)節(jié)保險產(chǎn)品的供需平衡,促進保險和經(jīng)濟之間的良性互動,維護社會穩(wěn)定。綜上,本文的研究結(jié)果無論對于保險業(yè)還是整個國民經(jīng)濟都是大有好處的。
[Abstract]:With China industrialization, the urbanization process is accelerating, the continued development of diversified trend of society, people's insurance demand is becoming more and more diverse, the capacity of the domestic insurance market continues to expand, China insurance industry has been developing fast and steadily. However, with the rapid development of the insurance industry at the same time, it has accumulated some contradictions and problems, the more serious is there is a big difference between the regional insurance industry, but the difference is too large is not conducive to the effective market competition pattern, can easily lead to inter regional development is not balanced, sustainable, to China the health insurance industry, the rapid development of adverse effects. In this background, current situation and influencing factors of in-depth study of regional China insurance the development of the industry, to realize the balanced development of regional China insurance industry, so as to realize the society, has important theoretical and practical significance for the harmonious and sustainable development.
On the basis of previous research, a detailed description of the current situation of the insurance industry in regional development, theoretical and empirical analysis of the influencing factors of regional development Chinese insurance market, and actively explore the path of promoting regional balanced development of the insurance industry. Chinese writing is divided into five chapters, the first chapter is the introduction, mainly introduces the background and significance of writing in this paper, research ideas and framework, possible innovation and shortcomings; the second chapter is literature review, based on reading a large number of domestic and foreign literature, sorts the corresponding domestic research on regional development of the insurance industry, and because the developed countries have little related research, specifically for the insurance of regional development therefore, review foreign regional economic balanced development research, also provides some reference for the development of the insurance market in this area is discussed; the third chapter is Chinese insurance industry regional development The analysis of the present situation, mainly based on the provincial perspective, from the perspective of the static and dynamic quantitative analysis China all the provinces of the insurance market in premium income, insurance density, insurance depth and insurance and other aspects of the specific reference depth ratio difference; analysis of factors affecting the fourth chapter China insurance market regional development, this chapter is both quantitative and qualitative research that made influence on the regional development in the Chinese insurance market on the basis of qualitative induction, studied the influencing factors of regional China development of the insurance industry with empirical econometric method, and the influence degree of the quantitative analysis; the fifth chapter is the conclusion and policy suggestions, this chapter combines the analysis of the previous chapters results put forward relevant policy suggestions to achieve the balanced development of regional China insurance market.
This study broadens the economic theory of insurance on the theoretical level, for the development of the insurance market to provide a more accurate approach. In reality the balance in favor of adjusting supply and demand of insurance products, promote the benign interaction between insurance and economy, and maintain social stability. In summary, the results of this study both for insurance industry is the national economy are big benefits.

【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842

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