| China has entered into a historical stage of building a well-off society in all-round way and constructing a harmonious socialist society. Chances always exist together with challenges. Then the society develops by solving the social risks and the conflicts. Insurance has three primary functions, that is, the economy compensation, funds accommodation and society management. It would play a positive role in building a well-off society and developing a harmonious socialist society. With the rapid growth of economy and the modern society, the importance of insurance will be more and more obvious.The regional economy is the space system of national economy. The social economy development is closely related to the development of the regional economy, while the regional economy development is also closely related to the development of the insurance industry in district. One side, the development of regional economy needs the support of insurance industry. China has vast territory. The nature, the history, the system and the economical essential factor in various districts have the imbalance, thus various districts in suffering from each kind of disaster in the space and time, the degrees are various. The ability to resist each kind of risk also has a bigger difference. Because of the functions of the economy compensation, funds accommodation and society management, modern insurance industry helps the regional economy to get a stable, coordinate and sustainable development. It is very meaningful to both of the developed and the undeveloped regions, the richers and the poorers. On the other hand, the modern insurance industry must take the certain region space as a carrier and move in the certain region space, therefore regional economic environment quality directly influences regional insurance industry development. The practice proved that, in an economical more developed region, the insurance industry also develops more rapidly.Just because modern insurance is closely related to the development of economy and the harmony of the society, China always pays much attention to the development of modern insurance. The 10th five-years plan suggested that China should not only widen the insurance service field, develop the medicare and endowment insurance, exert the function of business insurance in the social security system, but also develop the agricultural insurance and liability insurance, build the agriculture insurance and catastrophe reinsurance system supported by our nation. And, China should widen the handling channel of Insurance fund and develop the online insurance. On June, 2006, State Department printed and distributed the document named "Some Issues on the Reformation and Development of Insurance", which clarified the faint understanding of the insurance's status and the effort in the economy development, definitized its direction, objective, emphases and measure, and pointed out the developing way of insurance in the near further. It provided the theoretical basis and practical foundation for insurance's being in perfect harmony with the economy development and becoming stronger and stronger. As the social economy's "roll booster" and "absorber", the function of insurance will be more and more distinct.Since the adoption of the reform and opening-up policy in the late 1970s, China's insurance has been made great progress. Until the end of 2005, there are 93 insurance institutions in our country, including the property, casualty and life insurance companies. And the total capital of insurance institutions has reached 1522.594 trillion's yuan. As the rapid increase of insurance institutions, the arrangement of insurance industry has been formed, which shows an unequal character on the Middle Region, the West Region and the East Region.Looking back through the insurance industry, although it has made great progress, moreover the whole industry assumes the quick trend of escalation year by year, but China's insurance business development also has the big disparity and many problems. First, the growth mechanism of insurance industry has not been sound yet. People's Insurance Company of China and China Life Insurance Company Ltd. are holding the market. The competition mechanism of insurance industry has not been really established. Second, While stepping up their own growth, insurance companies has not adjusted the conflict of companies' need of profit and establishing the harmonious socialist society. The principle of good faith of insurance industry could not support the sustainable development. The growth of insurance industry is not equal. The East Region is better than West Region and the Middle One. The coastal area is better than the inland area, Urban better than country, developed area better than the developing one. small, brand insurance is lack, the profession management needs further standard, further orderly competition and other questions still restricts sustained and healthy development of insurance business. Third, the government's intervention and management need to be more reasonable, Such as the macro-policy, the coordination of every department of the government. And the supervisor institution should monitor the insurance market more strictly.In the theoretical studies, the existing insurance research mainly concentrates in introducing and drawing lessons from overseas insurance research results to develop our country insurance industry insurance management and operation, and so on the comparatively microscopic aspect research. The research does not, from region economy angle, analyze the important promoter action of modern insurance to regional economic stability in the region, coordinated and sustainable development and co-ordination of social security system in urban and rural areas. The research lacks the regional economics analysis that the insurance industry own sustainable development finally makes the contribution for our country harmonious society's establishment and so on the comparatively macroscopic aspect question.This paper is using a combination of theoretical research and empirical analysis, historical and realistic analysis of a combination of methods, qualitative analysis and quantitative analysis, the method of combining theory and extended from the combination of research methods, based on the clarifications of the modern insurance industry and regional economic development are interdependent and mutually symbiotic relationship, finally comes to an important point that the rapid development of China's insurance industry will promote regional economic development and promote the establishment of a harmonious society.The main innovations are as follows:I. The paper introduces the modern insurance category in the regional economics to carry on the analysis, has promulgated the benign interaction relations between modern insurance industry and region economy development, using the theory and method of regional economics. The paper has authenticated the region economy in the situation that the nature and the market two kind of risks existences and mutually interweaves, the region economy develops, the insurance industry function is more prominent. The region has the market economy development not balanced and the natural condition is not balanced, therefore in the region development the risk type is different, various regions anti- risk ability is dissimilar. The more the region economy is coordinated and develops, the insurance industry function is more prominent and safe is more important. The insurance has become the intrinsic request that region economy stably, coordinate and sustainable development. Regardless of the person danger or the property danger, has all become the region economic activity important content and the regional economic system health movement important safeguard, the insurance industry has also become the region economical industry battle formation organic constituent.II. The paper analyzed the contradictory unification relations between insurance industry own development beneficial need and the promotion of harmonious society. The commercial insurance company defers to the enterprise which establishes follow the market mechanism, and pursues the most quickly biggest benefit by reason of basing in the intense market competition and the development goal. Usually, to develop the insurance service in the economical developed area and the wealthy crowd is able quickly to achieve this goal, but in economical backwardness area insurance industry faces the weaker economic basis, the higher cost of operation and the lower unit profit. Therefore, the insurance industry both needs "to improve on perfection" for the economical developed region, and must "give opportune help" for the economical backwardness region which in the commercial insurance company's actual operation is a pair of paradox, under the certain time certain condition is contradictory. In order to realize our country region economy coordinated development, must effectively solve this paradox and the contradiction and the realization transformation. The practice proved that, "improves on perfection" certainly not necessarily can bring the insurance company in the transition competition developed region the profit. But "gives opportune help" also certainly incompletely is the insurance company in the social responsibility. This also is the insurance industry own need to develop. In backwardness area insurance industry so long as manages appropriately, while brings the social efficiency, also the energy band comes the enterprise the profit and occupies the region to enter takes the initiative obtains own sustainable development. Therefore, to realize the insurance industry own benefit and the region economy development double wins, the contradictory unity must fully be realized. Through the insurance industry own reasonable operation, two kind of relations must be processed well-own development economic efficiency and social efficiency, immediate benefit and long-term development. By attention to backwardness area development, double wins the aspect certainly can appear.III. The paper discussed the essential factors affected the region economy stable development, and proposed the viewpoint that modern insurance stably grew for the region economy and continues to develop the service through the improvement human resources effective supplies and taking measures against natural disasters in the disaster reduction positive role in the region. The insurance industry through the health insurance development, improves medical service health present situation, enhances the population the overall health standard, enhances the human resources essential factor the supplies quality, and realizes human resources effective supplies. Through the liability insurance product development and the service unceasing innovation, the insurance industry develops "the economy to compensate" the function safely and supports the region the reconstruction and the restoration after the disaster, the accident and the market risk occurs. Insurance's function of early warning and surveillance can reduce the occurrence of accident and risk and the loss degree of disaster. The modern insurance through improving the essential factor quality of economical growth, promoting ecological environment protects and taking measures against natural disasters and the disaster reduction, and reducing loss which the market risk brings, serves for region economy stable growth and continuous development.IV. The paper proposed the viewpoint that commercial insurance while promotes the urban economy development and enhances the city people's level of insurance also may be able to develop her ability to the full in the aspect of planning the city and countryside development and supporting the new rural reconstruction. In the urban development, through the enterprise property insurance, each kind of liability insurance development, commercial insurance promotes the urban economy fast development; Through the health, the old-age insurance development further consummates the city social security system. Along with our country social security to the countryside coverage expansion, the commercial insurance is also able to develop her ability to the full in the aspect of planning the city and countryside development: through the development of agriculture insurance, enhances the agricultural production the anti- natural disaster ability and the anti-market risk ability and promotes scale agriculture development to promote the rural economy progress; Through the experiment site of countryside medical insurance and the old-age insurance enhances the coverage of the medical service of rural population and the preliminary safeguard of the aged; Through designing the special synthesis insurance for the agricultural laborer, provides the safeguard and the strut for effective mobile of countryside wealthy labor force between regions. The modern insurance industry through own big development, affects and with other professions together, enhances the city and countryside economic potentiality, enhances the level of safeguard of city and countryside inhabitant, increases social work post, enhances the city and countryside inhabitant to receive, truly realizes the city and countryside coordinated development.V. The paper through to the insurance industry own development exploration, proposed the viewpoint that modern insurance development must "take the market as the guidance, take the customer as the center", adapts the region economy development request through own development. The insurance industry promotes the region economy development, must have take own benign, the sustainable development as the premise. The insurance industry development must pay great attention to the product structure, the layout structure, the structure of talent, the organizational structure, four aspects reform development. The insurance industry through the innovation of product and serves improves present comparatively sole product structure with stronger homogeneity; Through the development pattern of non- balanced development and gradient gradual development adjusts present industrial layout structure; Through raising the specialized talented person and managerial talent's realizes the transformation from " salesman" to "manages finances consultant, the expert" and improves the current structure of talent; Through further governing the company structure promotes the advancement of insurance industry market and realizes the adjustment of organizational structure; Finally through the quickly good development of insurance industry, displays the positive role of modern insurance in the region economy development.
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