| 摘要: |
| 我国保险业近年来发展迅速，年均增幅超过了25%，是发展最快的行业之一。然而，地区之间、城乡之间、东西之间却存在着严重的发展不平衡；不仅表现在保险规模、保险密度和保险深度上，还表现在保险机构数量上。衡量省（自治区、直辖市）保险发展水平的主要指标包括保费规模、保费规模增长率、保险密度、保险深度、保险机构数量和保险机构总部数量等。而影响地区保险发展的因素众多，其主要因素包括GDP、人口数量及分布、城镇居民人均可支配收入和地理位置等。 |
| 关键词: 保险 发展水平 地区差异性 影响因素 |
| DOI： |
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| Actual Analysis on Comparison of Provincial, Autonomous Regional or Municipal Insurance Development and Its Influence Elements |
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LIU Ping，GONG Zhen-lin
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| Abstract: |
| Insurance industry has enjoyed faster development in recent years, over 25 percent by annual margin, positioning it as one of the fastest developing industries. However, there exited an obvious misbalance among different cities, regions accordingly, especially between the rural and urban areas. This misbalance found its way in the scale, intensity and depth of insurance, as well as the amount of the insurance agencies. The main indicators to measure provincial, autonomous regional or municipal insurance development consists of the scale of insurance fees and its increase rate, intensity and depth of insurance and the amounts of insurance agencies and headquarters etc. Many elements can be found to have an influence on insurance development in different regions which mainly consists of GDP, population and its distribution, controllable income of town people and geographical location. |
| Key words: insurance development level regional difference influence elements |
