| Regional economic differences are always focused by the government, academia and the vast majority of people as an important problem. And for the rapid development of the life insurance of our country, there are also regional differences similar with economic development. Life insurance as goods for guarantees the people, and promotes social fairness and maintains social stability, which cannot be replaced to construct the harmonious society in our country. Therefore, vigorously develop life insurance is the basic requirement of constructing the harmonious society. However, the big regional differences in life insurance formed an obstacle for the high speed development of life insurance at present, also not conducive to building a socialist harmonious society in China. Thus the situation of this unbalanced regional development should be solved first before the development of life insurance. According to this, I believe that theoretical research on the development of regional life insurance, and promote the development of regional life insurance, especially life insurance development to accelerate the less developed regions, is an important issue for the insurance industry.The study object of this paper decided the research ideas, starting from the regional economic development theory and the basic insurance theory, on the basis of defined the concept of regional life insurance, analyze the status of regionalization differences in China’s life insurance market with province average premium income, market share, several life insurance depth and density representative indicators, then use qualitative analysis and quantitative analysis to obtained the main factors that affect the life insurance market regionalization difference, in the end this paper will focus on how to resolve the excessive problem of China’s life insurance market regionalization difference, given the future development path choices of China’s life insurance industry from the corporate level and government level.Specific, this paper firstly defines the life insurance area and its related concepts, then introduce four representative indicators which are province average premium income, Through the multi-dimensional analysis of the four indicators market share, several life insurance depth and density, Obtained the basic status of China’s life insurance industry regionalization difference; Then analyze the main factors that impact China’s life insurance market development regionalization difference with the qualitative analysis and quantitative analysis, Finally, on account of previous analysis, study how to reduce the life insurance market regionalization differences in China from the corporate level and government level, given the future development path choices.Based on the above ideas, the structure of this paper include the following five chapters:The first chapter is the theoretical basis and the definition of the regional life insurance development. Study the theoretical basis of the regional life insurance and concepts defined. Divided into two sections, the first section, through the introduction of regional economic development and the regional economic policy theory, insurance functions and development theory as the theoretical basis of this study. The second section, identified the relevant concepts respectively, including life insurance and life insurance market, the definition of the regionalization of the differences of regional life insurance and life insurance market.The second chapter is regionalized differences in Current Situation of China’s life insurance market. Analyze the status of regionalization differences in China’s life insurance market with province average premium income, market share, several life insurance depth and density. Besides, the data is mainly related data from 2001 to 2009.The third chapter is about the factors that impact the regional differences of china’s life insurance market development. This chapter firstly analyzes the factors affecting the development of regionalized differences in life insurance market in China with qualitative analysis method, then analyze the cause of this regionalized differences in the main influencing factors Through the introduction of the multiple regression model and cluster analysis model, conclude in the end.The fourth chapter is the realization of the path of balanced the regional development of China’s life insurance market. Given the path of balanced the regional development of China’s life insurance market from the two aspects of the corporate level and government level respectively. In the corporate level mainly make suggestions on internal management and future development of the life insurance companies, in the government level; mainly make suggestions on the regulatory, infrastructure building and other government support.The fifth chapter is conclusion. Make a relatively comprehensive summary from this paper’s studies ideas and the final results.This article may have some innovations mainly in the following:Firstly, stripping the regional life insurance out of the regional insurance, analyze respectively, make it more targeted and practical.Secondly, based on regional economic theory, Combined with China’s economic development and analysis of the current development of the regional life insurance.Thirdly, analyze the factors that influence the development of China’s life insurance regionalization difference from two perspectives of qualitative and quantitative analysis respectively.Fourthly, in order to get more accurate results, remove the larger difference sample with Q-mode cluster analysis then multiple regression,Fifthly, study the implementation of the coordinated regional development path of China’s life insurance industry from company and government levels.In view of the author’s research areas and associated data access restrictions and other reasons, there are some shortcomings of this paper, mainly including the following two:Firstly, although this article made a relatively systematic and comprehensive analysis of development of regional life insurance, due to data limitations, Some aspects of the study was not thorough enough. Such as the differences in regulatory between eastern and western life insurance market, differences in management methods, differences in the exhibition channels, Differences in consumers occupation, income, age, preferences, etc. These factors have a significant impact on the regional differences. However, these data are difficult to obtain, this article is not involved in this analysis.Secondly, In the chapter analysis of the regionalization differences in Current Situation of China’s life insurance market. This article does not make an analysis of the structural differences of the various life insurance products, This is mainly because of the "China Insurance Yearbook" only make a simple grouping of the types of insurance, lack of cross-cutting information. These aspects are the deficiencies of this article and the further research direction too. |
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