【摘要】：我國(guó)經(jīng)濟(jì)經(jīng)過(guò)38年快速發(fā)展,取得了令人矚目的成績(jī),GDP總量從1978年3679億元到2015年689052億元,從落后經(jīng)濟(jì)狀況到2015年GDP總量位居全球第二,并且正在不斷地向名列第一的美國(guó)靠近。經(jīng)濟(jì)的成功,帶動(dòng)了各行各業(yè)蓬勃發(fā)展,保險(xiǎn)業(yè)也受益其推動(dòng)力,而得到快速發(fā)展。保費(fèi)收入,從1978年4.6億元到2015年2.4萬(wàn)億元,增長(zhǎng)了5000多倍,位居全球第三。雖然我國(guó)保險(xiǎn)業(yè)取得了顯著的成績(jī),但是我國(guó)保險(xiǎn)業(yè)發(fā)展過(guò)程中也出現(xiàn)了不少問(wèn)題,這些問(wèn)題影響著我國(guó)保險(xiǎn)業(yè)健康發(fā)展。例如:我國(guó)區(qū)域保險(xiǎn)不均衡問(wèn)題——東部沿海省市保險(xiǎn)發(fā)展水平顯著高于中西部省市。同時(shí),在有些省內(nèi)的區(qū)域也是存在著較大區(qū)域保險(xiǎn)差異。本文就以廣東省為研究區(qū)域,了解求證廣東省內(nèi)的人身保險(xiǎn)區(qū)域差異。通過(guò)大量查閱國(guó)內(nèi)外文獻(xiàn)。筆者發(fā)現(xiàn),區(qū)域保險(xiǎn)相關(guān)文獻(xiàn),以全國(guó)范圍的為主,并沒(méi)有以廣東省作為區(qū)域范圍的文獻(xiàn),并且大部分文獻(xiàn)同時(shí)研究人身保險(xiǎn)和財(cái)產(chǎn)保險(xiǎn)。所以本文以廣東省作為研究區(qū)域,并且以人身保險(xiǎn)作為研究對(duì)象,即是研究廣東省人身保險(xiǎn)區(qū)域差異。在借鑒現(xiàn)有文獻(xiàn)以及思考拓展后。第一章,從研究背景和文獻(xiàn)綜述,介紹了區(qū)域保險(xiǎn)研究現(xiàn)狀和相應(yīng)成果。第二章,介紹了相關(guān)理論基礎(chǔ)。例如,區(qū)域平衡發(fā)展理論、馬斯洛需求理論和人身保險(xiǎn)等。第三章,文中將廣東省分為四個(gè)區(qū)域研究人身保險(xiǎn)區(qū)域差異,這四個(gè)區(qū)域分別為珠三角、東翼、西翼和山區(qū)。然后分別從人身保險(xiǎn)保費(fèi)收入、人身保險(xiǎn)密度和人身保險(xiǎn)深度的靜態(tài)和動(dòng)態(tài),求證廣東省人身保險(xiǎn)區(qū)域差異現(xiàn)狀。因?yàn)樵谶@三個(gè)指標(biāo)中,珠三角都明顯遠(yuǎn)遠(yuǎn)優(yōu)于其它三個(gè)區(qū)域,所以廣東省人身保險(xiǎn)是存在區(qū)域差異的。第四章,研究分析了影響廣東省人身保險(xiǎn)區(qū)域差異的各種因素。例如,從社會(huì)保障、人口結(jié)構(gòu)、保險(xiǎn)意識(shí)、保險(xiǎn)業(yè)形象和服務(wù)水平等角度定性分析了各個(gè)因素。第五章,以人身保險(xiǎn)密度作為被解釋變量,從經(jīng)濟(jì)因素主要選取了收入水平、儲(chǔ)蓄水平等解釋變量,從人口因素主要選取了撫養(yǎng)率等解釋變量,從社會(huì)因素選取了潛在保源轉(zhuǎn)化率等解釋變量,通過(guò)面板回歸求證各個(gè)解釋變量對(duì)人身保險(xiǎn)密度的影響。然后,對(duì)全省和各個(gè)區(qū)域分別進(jìn)行面板回歸,即是做了5個(gè)面板回歸。然后分析每一個(gè)解釋變量對(duì)全省以及不同區(qū)域之間人身保險(xiǎn)密度的影響程度,進(jìn)而實(shí)證研究了影響廣東省人身保險(xiǎn)區(qū)域差異的因素。第六章,結(jié)合本文分析,分別從外部環(huán)境因素、供給因素和需求因素三個(gè)角度,提出了平衡廣東省人身保險(xiǎn)區(qū)域差異相關(guān)對(duì)策建議。例如,向欠發(fā)達(dá)的東翼西翼山區(qū)傾斜財(cái)稅等對(duì)策,以及傾斜監(jiān)管和人才等措施,提升居民保險(xiǎn)意識(shí)等努力。
[Abstract]:After 38 years of rapid development, China's economy has made remarkable achievements, from 367.9 billion yuan in 1978 to 68.9052 trillion yuan in 2015, from the backward economic situation to the second place in the world in 2015, and is constantly approaching to the United States, which ranks first. Economic success, driven by various industries flourish, the insurance industry also benefited from its driving force, and rapid development. Premium income rose more than 5000 times from 460 million yuan in 1978 to 2.4 trillion yuan in 2015, ranking third in the world. Although China's insurance industry has made remarkable achievements, there are many problems in the development of our insurance industry, which affect the healthy development of our insurance industry. For example, the development level of insurance in eastern coastal provinces is significantly higher than that in central and western provinces. At the same time, in some provinces in the region is also large regional insurance differences. This paper takes Guangdong Province as the research area to find out the regional differences of life insurance in Guangdong Province. By consulting a large number of domestic and foreign literature. The author finds that the literature on regional insurance is mainly in the national scope, but not in Guangdong Province, and most of the documents study the life insurance and property insurance simultaneously. Therefore, this paper takes Guangdong Province as the research area, and takes the personal insurance as the research object, namely the study Guangdong Province personal insurance regional difference. After drawing lessons from the existing literature and thinking and expanding. The first chapter, from the research background and literature review, introduces the status of regional insurance research and the corresponding results. The second chapter introduces the relevant theoretical basis. For example, regional balanced development theory, Maslow demand theory and life insurance and so on. In the third chapter, Guangdong Province is divided into four regions: the Pearl River Delta, the east wing, the west wing and the mountainous area. Then from the personal insurance premium income, personal insurance density and the depth of life insurance static and dynamic, to verify the status quo of regional differences in personal insurance in Guangdong Province. Because of these three indicators, the Pearl River Delta is much better than the other three regions, so there are regional differences in life insurance in Guangdong Province. In the fourth chapter, the author analyzes the factors that influence the regional difference of life insurance in Guangdong province. For example, the factors are analyzed qualitatively from the aspects of social security, population structure, insurance consciousness, insurance image and service level. The fifth chapter takes the personal insurance density as the explained variable, mainly selects the income level, the saving level and other explanatory variables from the economic factor, and mainly selects the dependency rate from the population factor. Based on the social factors, the potential conversion rate of source preservation and other explanatory variables are selected, and the effects of these factors on the personal insurance density are verified by panel regression. Then, the whole province and each region respectively carries on the panel regression, namely has made 5 panel regression. Then it analyzes the influence of each explanatory variable on the density of personal insurance in Guangdong Province and different regions, and then empirically studies the factors that affect the regional differences of personal insurance in Guangdong Province. The sixth chapter, combined with the analysis of this paper, from the external environment factor, supply factor and demand factor three angles, put forward the balance of Guangdong Province personal insurance regional differences related countermeasures and suggestions. For example, to the underdeveloped east wing west wing mountain area inclines the fiscal and taxation countermeasure, as well as inclines the supervision and the talented person to wait for the measure, raises the resident insurance consciousness and so on diligently.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.62

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