The Choices Of The Route Of China's Regional Insurance About Coordination Development In The Openning Environment

China's inurance industry has developed rapidly since the resumption of it from 1980s, the insurance industry overall is growing, it has a significant change in the insurance structure and made rapid progress. However, the regional characteristics of the insurance industry are more and more obvious, and insurance unbalanced allocations of resources are becoming increasingly serious. Insurance opening in the differents of orders and the policy environment and the path make the imbalance of China's regional insurance. The market-oriented of insurance has not been fully affected the coordinated development of regional insurance including economic compensation, financial intermediation and social management functions among regions. It have become an important task in the context of building a socialist harmonious society, which are Coordinate regional insurance arrangement to promote the harmonious development of economy and society to form a rational pattern of regional development.First of all, this article choose six indicators including the insurance market concentration, premium income, insurance principal, insurance density, insurance depth and Insurance performance index indicators to describe the degree of development of inter-provincial insurance industry. Then, it selects four indicators about premium income, insurance density and depth, insurance performance index for regional cluster analysis, using GIS response to the spatial layout of China's insurance industry conditions. The results show that the characteristics of regional and differences clearly about insurance industry, showing the trends of dient distribution on eastern, central and western.Secondly, in summarizing the existing literature and coordinated development theory, the papers build the factors of regional coordinated development including environmental factors, demand factors and supply factors, and select the quantifiable indicators. By constructing panel data on long-run equilibrium relationship between the various indicators and premium income to test, then build the regional experience of the three regions function. The results shows that the key factors for regional non-coordination are the number of insurance companies, the proportion of second and third industries in GDP, social welfare costs, which impact on various areas to different degrees.Finally, using scenario analysis to predict the development of regional insurance, comparison analysis of the inertial scenario and suitable scenario indicates that the later is possibility about China's regional insurance.According to the existing level of economic and social environment, it made some coordinated development models of regional insurance insurance industry in order to narrow the gap between the regions, which are matching the economic status of the eastern, central coordination of the social environment, the western expansion of the size.it raised a lot of policy recommendations of different development models include reducing regional economic disparities and geo-spatial rational distribution of insurance industry.