新疆保险业区域发展差异影响因素研究  

作　　者：闫东东 杨新顺[1] 

机构地区：[1]新疆财经大学金融学院

出　　处：《保险职业学院学报》2019年第4期44-50,共7页Journal of Insurance Professional College

摘　　要：本文基于新疆2008~2017年新疆15个地州市的面板数据,通过建立面板模型来研究各种经济指标对新疆保险业区域发展差异的影响情况。研究结果表明,全疆各地州市的人均GDP、财政支出、第三产业产值、城镇化水平、保险机构数量、人均保险赔付对全疆保险业发展均有显著的影响。从南北疆来看,北疆的人均GDP、财政支出、第三产业产值、城镇化水平、保险机构数量、人均保险赔付对保险业发展的影响显著,南疆的人均GDP、人均银行业存款余额、城镇化水平、常驻人口、保险机构数量对南疆保险业发展有不同显著的影响,回归结果显示促进北疆保险业发展影响的经济指标比南疆更多更突出,最终通过全疆、北疆、南疆之间实证结果的相互对比证实了新疆保险业发展的区域差异性,最后为平衡新疆保险区域发展差异提出针对性建议。Based on the panel data of15 prefectures and cities in Xinjiang from2008 to2017, this paper establishes a panel model to study the influence of various economic indicators on regional development differences of Xinjiang insurance industry. The research results show that the per capita GDP, fiscal expenditure, output value of the tertiary industry, urbanization level, number of insurance institutions and per capita insurance compensation of cities and towns all have a significant impact on the development of the insurance industry in Xinjiang. In terms of regions, northern Xinjiang's per capita GDP, fiscal expenditure, the output value of the third industry, the urbanization level, number of insurance agency, the per capita insurance claims has significant effects on the development of the insurance industry;Southern Xinjiang's per capita GDP, per capita balance of banking, urbanization level, the resident population, number of the insurance institutions has different remarkable influence on the development of the insurance industry. Regression results show that the economic indicators for the development of the northern Xinjiang insurance industry are more in number and more prominent than those of the southern Xinjiang. The mutual comparison between the empirical results of the whole Xinjiang, northern Xinjiang and southern Xinjiang confirmed the regional difference of Xinjiang insurance industry development. Finally, some suggestions to coordinate the regional development differences of Xinjiang insurance industry are put forward.

关 键 词：保险发展 区域差异 影响因素 面板模型 

分 类 号：F840[经济管理—保险]