The Research Of Chinese Insurance’s Regional Development And The Influencing Factors

China’s insurance is getting steady and rapid development accompanied by the accelerating process of industrialization and urbanization, the continued development trend of social diversity, the increasing diversity of insurance demand, and the continuous expanding of domestic insurance market capacity. However, at the same time of rapid development of insurance, there are problems and contradiction that can not be ignored including the serious one which is the bigger difference between the different insurance area. It is bad for the formation of effective market competition pattern, and if the difference is too much, it is also easy to cause the imbalance of regional development, harmful to China’s rapid and healthy development of insurance. In this context, the research of the present situation and the influence factors of China’s regional development of insurance market has the important theoretical and practical significance to realize the balanced development of China’s insurance area, to realize the comprehensive, balanced and sustainable social development.On the basis of previous studies, this paper describes the present situation of the regional insurance development in detail, and shows the theoretical and empirical analysis of the influence factors of China’s regional development of insurance market, and actively explores the path of promoting regional balanced development of China’s insurance. The paper is divided into five chapters. The first chapter is the introduction which mainly summarizes the background and significance of writing the paper, the research task and framework, and possible innovations and deficiency. The Second chapter is literature review. On the basis of reading a large number of domestic and foreign literature, I organize the related research of the domestic regional insurance development. Because there are very few related research for regional insurance development in the developed countries, so I summarize the foreign studies about the balanced development of regional economy, as well as provide certain reference for discussing the insurance market. The third chapter is the analysis of present situation of unbalanced regional development from the angle of the static and dynamic quantitative which mainly analyzes the specific differences among the Chinese insurance market of premium income, insurance density, insurance depth and insurance benchmark depth based on the provincial perspective. The fourth chapter shows the analysis of the factors of the development of Chinese insurance market, including both quantitative and qualitative analysis. This chapter makes a qualitative conclusion on the influence factors of the development of Chinese insurance market on the basis of combining the method of econometrics which makes the empirical research on the influence factors of the development of Chinese insurance. The fifth chapter is conclusion and policy suggestion. This chapter combines the result of the analysis of previous chapters putting forward the relevant policy recommendations to realize the balanced development of China’s insurance market area.In this paper, the research broadens the view of insurance economic theory in the theory level, providing a more accurate way for the study of the insurance market development. Also the research can adjust the balance between supply and demand of insurance products, promoting the benign interaction between the insurance and economy to maintain social stability in the real level. In conclusion, this research result is of great benefit for both the insurance and the whole national economy...