省域视角下中国保险业市场的时空特征  

Spatial and Temporal Characteristics Analysis of Chinese Insurance Market Based on Provincial Point

作　　者：李恩龙[1] 杨永春[1,2] 史坤博[1] 王宝君[1] 

机构地区：[1]兰州大学资源环境学院,中国甘肃兰州730000 [2]兰州大学西部环境教育部重点实验室,中国甘肃兰州730000

出　　处：《经济地理》2017年第5期116-124,共9页Economic Geography

基　　金：国家自然科学基金项目(41571155;41171143);中央高校基本科研业务专项资金(lzujbky-2016-278)

摘　　要：基于省域2006—2014年保费收入,分析了中国保险业市场的空间分布和发展潜力格局,并以此为基础划分了中国保险业市场的发展类型;最后,采用多元回归模型探讨了中国保险业市场的空间分异的影响机制。研究表明:(1)中国保费收入整体上呈现增长趋势,保险业市场表现出明显的空间两极化特征;随着保险市场日益成熟,中国保险业市场发展出现三个高值区:北京—上海的东部沿海地区、以广东为中心的珠江三角洲地区和以四川为中心的西部地区,极化现象也在逐渐弱化。(2)各省份之间的发展潜力差异较大,其中,保险业市场发展潜力明显较高的省份主要集中在东北、中部以及新疆、四川等地。(3)保险业市场发展处于"低水平—高潜力"的省份空间分布较分散,且多为经济发展相对落后地区,而处于"高水平—低潜力"的省份主要分布于中东部地区。(4)经济发展水平、人民生活水平、城镇化水平以及金融业发展水平等对保险业发展有正向促进作用;人民生活水平和金融业发展水平等对保险业发展潜力有正向促进作用。This article analyzes the spatial pattern of China＇ s insurance market and development potential and partitions of development types of insurance market based on premium income from 2006 to 2014, furthermore, explains the influence mechanism of the spatial differentiation of Chinese insurance market with the Comparison of Multi-regression Analysis Model. The study shows that： 1）China＇ s premium income presents a rising tendency, and there is an apparent polarization in insurance market, but this difference is gradually shrinking. With the increasing maturity of the insurance market, there have been three peaks： namely the eastern coastal areas from Beijing to Shanghai, the Pearl River Delta （Guangdong as the center） and western China （Sichuan as the center）. 2）The development potential of Chinese insurance market varies dramatically from province to province, significantly, the northeast, the central area, Xinjiang, and Sichuan have higher potential. 3）Both the present and potential level of insurance market development are obviously different among provinces： the ＂low level-high potential＂ provinces distributed less compactly, and the economy of which areas is relatively lagging, while the ＂high level-low potential＂ provinces are mainly in the east. 4）The comprehensive level indexes of the insurance is in positive correlation with the level of economic development, people＇s living standards, the level of urbanization and financial development. Besides, people＇s living standards and the level of financial development are playing a positive role in the development potential of China＇ s insurance.

关 键 词：保险业市场 空间格局 发展潜力 影响机制 热点地区分析 

分 类 号：F842.5[经济管理—保险]