Study Of Regional Insurance Unbalanced Development In China

Regional economic disparities are an important problem in domestic economic and social development. Since its resume in 1980, the absolute scale of Chinese insurance industry has kept on increasing at a speed of more than 30 percent. Although the increasing speed is very considerable, there are many impeditive problems in national insurance market which are considered the main obstacles that prevent the sustained development of insurance industry. One of theses structural contradictions is that the development of district insurance is disproportioned. Along with the expansion of the imbalance, many problems have aroused and exerted disadvantageous effects on the future development.Firstly, the thesis made a deep study on existing regional economic theory. It includes non-balanced theory and the theories of coordinated development of regional economy. All these theories would give us great enlightenments in the area of regional insurance development. Secondly, based on the province data of insurance business over recent years, this article analyses the concrete district differences mainly in three aspects: the absolute scale, the distributing of insurance corporations, and the structure of insurance products. The article then finds out the factors influencing the scale of insurance by means of qualitative analysis and multivariable linear regression. Furthermore, comprehensive assessment methods are used to compare the developing levels of the insurance market in 30 provinces. Eventually, the article provides advices for the harmonious and sustained development of the national insurance industry.The innovations in this paper are listed as follows:Ⅰ. The new method of insurance regional division.Ⅱ. The complete index of Regional insurance development.Ⅲ. The panel-data model.