中文摘要：

保险产业作为中国区域经济的“稳定剂”，地区差异却呈现高度不均衡现象。本文对保险产业的省际差异进行测度并利用1991-2008年的省际面板数据建立了保险产业发展的决定函数，进而运用夏普里值法（Shapleyvalue）对各因素的贡献进行分解。研究发现推动差异扩大的影响因素依次为资源禀赋、制度文化和空间成本，而市场需求则促使了区域差异的缩小。实证结果揭示了保险业现有区域组织形态造成的区域产品供给与市场需求脱节的矛盾，并提出相应的政策建议。

英文摘要：

The insurance industry as the stabilizer of regional economy shows highly disparities in China. Based on the measurement of regional disparities of insurance industry, this paper has established a function of re- gional insurance development using the inter-provincial panel data from 1991 to 2008. And then the regional dis- parities are decomposed by Shapley value method. It is founded that the most important reasons for this disparities is the distribution of insurance resources, and the second is institutions and cultures. The third is spatial cost and local market is the only factor that reduced the disparities. The results reveal the divorce between regional insurance product supply and local demand, and then the suggestions are brought forward.