中国保险产业区域分异的微观机理与实证分析  

An Empirical Analysis on the Micro Mechanism of Regional Differentiation of Insurance Industry in China

作　　者：刘维林[1] 徐放[2] 

机构地区：[1]南开大学经济与社会发展研究院,天津300071 [2]中国保监会天津监管局,天津300050

出　　处：《现代财经（天津财经大学学报）》2012年第11期41-49,共9页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：中央高校基本科研业务费专项资金资助项目(HKZXB10064)

摘　　要：中国保险产业呈现产业快速增长与区域差异巨大的共存现象,保费收入远高于区域经济的分异程度,并与保险深度指标在2001年后都呈现分异加剧态势。研究发现,这种分异现象是四重微观机理共同作用的结果,即规模经济效应、本地市场效应、空间成本效应和制度变迁效应。面板数据模型的实证结果支持了作用机理的判断。保险产业的区域分异有其内在的合理性,在政策选择上不应片面强调缩小地区差距,而是积极引导保险业在适度分异的基础上优化空间资源配置。Insurance industry in China presents a coexistence of high-speed development and great inter-region difference, and premium income is much higher than the coefficient of regional e- conomy. Both premium income and insurance penetration Gini coefficients have shown a trend of in- tensification since the year of 2001. The research result argues that the differentiation is the result of four fold mechanisms, that is, scale economy effect, local market effect, spatial cost effect and institutional change effect. Panel data model is utilized in empirical study to support the function mechanism. Therefore, the regional differentiation of insurance industry has inherent rationality. For the policy selection, we should not simply put emphasis on reducing regional disparities, but should actively guide insurance industry to optimize space allocation of resources on the basis of rea- sonable differentiation.

关 键 词：保险产业 区域分异 基尼系数 微观机理 

分 类 号：F840.2[经济管理—保险]