Study For Regional Commercial Insurance Problems Based On The Coordinated Development Of Beijing-Tianjin-Hebei

Insurance has an effect on stabling growth,adjusting structure,increasing employment,promoting entrepreneurship and innovation etc.,particularly in the background of coordinated development of beijing-tianjin-hebei mainly by means of industry transfer and upgrade.So it is great important to development the regional commercial insurance industry.This article on the perspective of the coordinated development of beijing-tianjin-hebei and combine with the present development situation of beijing-tianjin-hebei regional commercial insurance industry,discuss the exist problem of the insurance industry,such as large cascade gap,development pattern,lack of innovation etc,base on regional economic theory,regional insurance theory and the theory of coordinated development.Then proceed empirical research of the specific relationship between economic growth and development of insurance using the linear regression model,in Beijing,tianjin,hebei region.Whereafter conduct the specific measure and empirical analysis the coordination problem between beijing-tianjin-hebei regional insurance system and the economic social system from longitudinal and transverse sides,using the method of DEA.Finally comprehensive evaluate the efficiency of beijing-tianjin-hebei regional commercial insurance industry.Through theoretical analysis and empirical research,get the following conclusions:(1)Beijing,tianjin and hebei region are all showing that the property insurance gives pull effect on the economy is greater than the personal insurance for the economy.Specific to see,personal insurance in the Beijing area has the greatest effect on the economic,then followed by tianjin,hebei;For property insurance the pull function on the economic,tianjin region is the highest,followed by Beijing,hebei province is still on the lowest position.(2)After adjustment on the input of insurance industry from 2011 to 2013,the efficiency of beijing-tianjin-hebei regional commercial insurance industry has improved.On the whole,there has the coordinated development appearance between insurance system and economic social system,so the efficiency of regional commercial insurance industry is effective in most of beijing-tianjin-hebei region,but individual insurance development need further improvement.(3)Dynamic analysis of total factor productivity by Malmquist index,technical index has the directly effect on the Malmquist index of total factor productivity under the premise of the comprehensive technical efficiency unchanged.Therefore,in the process of development of beijing-tianjin-hebei regional commercial insurance industry,the improvement of science and technology cannot be ignored.This paper put forward the path of the beijing-tianjin-hebei regional coordinated development for the regional commercial insurance industry,namely the regional commercial insurance industry gradually change to the pattern of advantage complementary,the pattern of reticular structure,the pattern of enterprise reputation,the pattern of management norms,the pattern of product green,the pattern of modern science technology and the pattern of inclusive service,according to the characteristics of the beijing-tianjin-hebei regional commercial insurance industry development and relevant experience from home and abroad.Finally boost the beijing-tianjin-hebei region commercial insurance industry development into the fast track and provide economic motivation and risk guarantee for the coordinated development of beijing-tianjin-hebei.