The Analysis Of China’s Regional Differences In Life Insurance Consumption And Its Influential Factors

China’s insurance industry has been restored since1978, the average annual growth of premium income more than30%, With the insurance function of continuous mining and expansion,the effective development of insurance industry has also been got more and more attention. Life insurance industry as a pillar of China’s insurance industry, and nique and important nature of the social protection function, resulting in more attention and a strong demand for life insurance to buy.However, China’s life insurance premium income grew very rapidly, but there is a great gap compare to the world average, and the differences of provincial life insurance development is very obvious.It is necessary to understand the reasons for the differences, analyze what factors give the direct impact of life insurance premiums further. Based on these, the main contents of this paper can be divided into four parts:The first part includes chapters1and2. This section describes the research background, problem, significance, purpose and contents, and the overall framework of the article. Subsequently, it showed the definition of some concepts in this study, and reviewed related literatures.The second part is Chapter3, this part analyze the basic situation of the differences of provincial life insurance development in china.Firstly analyze the development process and features of China’s overall life insurance industry,then through three ways’static analysis in the life insurance premiums, life insurance density, life insurance depth,we could know indeed exist the the great differences of provincial life insurance development in china. At last through dynamic contrast on10years the average growth rate of life insurance premium income,we knew behind regional growth rate in life insurance premium income slower than the advanced regions, so the gap is growing.The third part is the main part of the contents, including the fourth and fifth chapter. From general economic theory, this paper divided life insurance premium factors into four parts, the economic, social, policy, self-development.Then try to do some quantitative graphic analysis and theoretical analysis to specific factors in four parts of the regional differences, and select panel data model from30provinces, date from2000to2009to do an empirical study of life insurance premium income and get the influencing factors answers.Chapter6is the fourth part, which is the conclusion of the whole thesis and gives some recommendations for rapid and healthy development of the life insurance industry.