發(fā)布時(shí)間：2018-05-24 19:36

  本文選題：保險(xiǎn)業(yè) + 區(qū)域關(guān)系��； 參考：《武漢大學(xué)》2014年博士論文

【摘要】：我國保險(xiǎn)業(yè)恢復(fù)發(fā)展三十五年來,取得了巨大進(jìn)步,服務(wù)經(jīng)濟(jì)社會(huì)的能力不斷提高。但由于經(jīng)濟(jì)基礎(chǔ)、資源稟賦、政府管制等方面原因,我國區(qū)域間保險(xiǎn)業(yè)發(fā)展呈現(xiàn)出較為明顯的不均衡性,區(qū)域內(nèi)保險(xiǎn)業(yè)市場也存在非理性競爭、對經(jīng)濟(jì)社會(huì)促進(jìn)作用小等問題�；诖�,本文選擇以我國區(qū)域保險(xiǎn)業(yè)關(guān)系及發(fā)展研究為題,客觀分析區(qū)域保險(xiǎn)業(yè)發(fā)展現(xiàn)狀,厘清區(qū)域保險(xiǎn)業(yè)關(guān)系,發(fā)揮保險(xiǎn)公司、保險(xiǎn)行業(yè)社會(huì)組織、社會(huì)、政府管制等多個(gè)主體積極作用,推動(dòng)區(qū)域保險(xiǎn)業(yè)科學(xué)發(fā)展。 本文運(yùn)用實(shí)證分析與規(guī)范研究相結(jié)合的方法,圍繞區(qū)域保險(xiǎn)業(yè)關(guān)系及發(fā)展為主題,對國內(nèi)外文獻(xiàn)進(jìn)行系統(tǒng)整理,并以商業(yè)保險(xiǎn)基本理論、產(chǎn)業(yè)發(fā)展理論、區(qū)域經(jīng)濟(jì)發(fā)展理論、社會(huì)治理與政府管制理論為理論基礎(chǔ)進(jìn)行研究。本文共分九章四大部分。 第一部分(第一章、第二章、第三章),建立全文研究理論框架。該部分首先明確了區(qū)域保險(xiǎn)業(yè)關(guān)系內(nèi)涵,包括區(qū)域保險(xiǎn)業(yè)發(fā)展差距、區(qū)域內(nèi)保險(xiǎn)市場主體競爭關(guān)系、區(qū)域內(nèi)保險(xiǎn)市場與區(qū)域經(jīng)濟(jì)社會(huì)發(fā)展之間的互動(dòng)關(guān)系等三個(gè)方面,建立了區(qū)域保險(xiǎn)業(yè)關(guān)系判斷指標(biāo)體系。同時(shí)與區(qū)域保險(xiǎn)業(yè)關(guān)系內(nèi)涵相適應(yīng),界定了區(qū)域保險(xiǎn)業(yè)發(fā)展的內(nèi)涵,并明確了區(qū)域保險(xiǎn)業(yè)發(fā)展的基本原則。 第二部分(第四章、第五章、第六章)從三個(gè)方面論述我國區(qū)域保險(xiǎn)業(yè)發(fā)展的現(xiàn)狀。首先,定量分析四個(gè)區(qū)域保險(xiǎn)業(yè)發(fā)展差距,指出區(qū)域間經(jīng)濟(jì)發(fā)展水平不同、社會(huì)條件不平衡、保險(xiǎn)供給不平衡、部分保險(xiǎn)管制政策不科學(xué)等是造成區(qū)域保險(xiǎn)業(yè)發(fā)展差距大的主要原因,并運(yùn)用克拉森區(qū)域分類法對2007年世界經(jīng)濟(jì)危機(jī)之后的各區(qū)域保險(xiǎn)發(fā)展差距演變趨勢進(jìn)行分析。其次,從市場結(jié)構(gòu)、市場行為、市場績效三個(gè)方面分別對區(qū)域財(cái)產(chǎn)保險(xiǎn)業(yè)、區(qū)域人身保險(xiǎn)業(yè)進(jìn)行分析,揭示了我國區(qū)域內(nèi)保險(xiǎn)市場組織不合理的現(xiàn)狀。第三,通過相關(guān)性檢驗(yàn)及協(xié)調(diào)度測試方法,揭示區(qū)域保險(xiǎn)業(yè)與區(qū)域經(jīng)濟(jì)增長相關(guān)性、區(qū)域保險(xiǎn)系統(tǒng)與區(qū)域經(jīng)濟(jì)社會(huì)系統(tǒng)的協(xié)調(diào)度,并通過實(shí)證分析得出區(qū)域保險(xiǎn)業(yè)促進(jìn)經(jīng)濟(jì)社會(huì)發(fā)展的功能作用遠(yuǎn)未發(fā)揮的結(jié)論。 第三部分(第七章),主要介紹世界主要國家和地區(qū)保險(xiǎn)業(yè)發(fā)展情況、經(jīng)驗(yàn)作法及重要保險(xiǎn)險(xiǎn)種的發(fā)展政策,總結(jié)出值得中國保險(xiǎn)市場需要借鑒的經(jīng)驗(yàn)。 第四部分(第八章、第九章),根據(jù)社會(huì)治理理論,分別從保險(xiǎn)公司、保險(xiǎn)行業(yè)社會(huì)組織、社會(huì)公眾及新聞媒體、政府管制等不同主體,闡述了推動(dòng)區(qū)域保險(xiǎn)業(yè)發(fā)展的實(shí)現(xiàn)路徑,并對保險(xiǎn)行業(yè)管制提出改革思路。 本文得出的主要結(jié)論如下：一是我國保險(xiǎn)業(yè)區(qū)域發(fā)展差距在縮小,但仍有待改善。二是區(qū)域內(nèi)保險(xiǎn)市場結(jié)構(gòu)集中度高,競爭激烈,產(chǎn)品同質(zhì)化嚴(yán)重,違法違規(guī)行為頻發(fā),市場績效不理想,大部分中小公司經(jīng)營困難。三是區(qū)域保險(xiǎn)市場與區(qū)域經(jīng)濟(jì)社會(huì)整體處于低度失調(diào)或低度協(xié)調(diào)狀態(tài),區(qū)域保險(xiǎn)促進(jìn)區(qū)域經(jīng)濟(jì)社會(huì)發(fā)展的功能作用缺失。四是區(qū)域保險(xiǎn)業(yè)發(fā)展需要保險(xiǎn)機(jī)構(gòu)、保險(xiǎn)行業(yè)組織、社會(huì)公眾以及政府等多個(gè)主體共同參與推動(dòng)。
[Abstract]:Since the development of insurance industry in our country has made great progress in the past 35 years , the capacity of the service economy has been improved continuously . However , because of the economic foundation , resource endowment , government regulation and so on , the development of regional insurance industry in our country presents a more obvious imbalance . In this paper , we choose to study the current situation of regional insurance industry , to clarify the relationship of regional insurance industry , to play an active role in the insurance industry , social organization , society , government regulation and so on , and to promote the scientific development of regional insurance industry .

This paper uses empirical analysis and normative research to study the relationship and development of regional insurance industry , and systematizes the literatures at home and abroad , and studies the basic theories of commercial insurance , industrial development theory , regional economic development theory , social governance and government regulation theory .

The first part ( chap . I , chap . II , chap . III ) establishes the theoretical framework of full - text research . This part firstly defines the connotation of regional insurance industry relationship , including the development gap of regional insurance industry , the competition relation between the insurance market subject in the region , the inter - regional insurance market and the regional economic and social development , and establishes the regional insurance industry relation judgment index system . At the same time , it defines the connotation of the development of regional insurance industry and clarifies the basic principle of regional insurance industry development .

The second part ( chapter 4 , chapter 5 , chapter 6 ) discusses the present situation of the development of regional insurance industry in our country from three aspects . Firstly , it analyzes the development gap of regional insurance industry , points out that the regional economic development level is different , the social condition is unbalanced , the insurance supply is unbalanced , some insurance control policy is not scientific and so on , it reveals the relationship between the regional insurance industry and regional economic growth , the regional insurance system and the regional economic and social system , and obtains the conclusion that the regional insurance industry promotes the function of economic and social development .

The third part ( Chapter 7 ) mainly introduces the development of insurance industry in the major countries and regions of the world , the empirical practice and the development policy of important insurance coverage , and summarizes the experiences that deserve to be used for reference in China ' s insurance market .

In the fourth part ( Chapter 8 , Chapter 9 ) , according to the theory of social governance , different subjects such as insurance companies , insurance industry , social organizations , social public , news media , government control and so on are expounded , the realization path of the development of insurance industry in the region is expounded , and the reform thought is put forward for the regulation of insurance industry .

The main conclusions are as follows : First , the regional development gap of the insurance industry in our country still needs to be improved . The second is that the regional insurance market has high concentration , fierce competition , serious product homogeneity , frequent violation of the law , unsatisfactory market performance and lack of functional role of the regional insurance for the economic and social development of the region .
【學(xué)位授予單位】：武漢大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2014
【分類號】：F842.7

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相關(guān)期刊論文 前10條

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本文編號：1930289