伴随国民经济的快速发展,我国保险业的发展也取得了举世瞩目的成绩,然而地区保险市场发展不协调的现象日益突出,严重制约着保险功能和作用的发挥。本文引入泰尔指数对我国保险业发展的区域数量差异和区域效率差异进行分析。分析表明,我国保险业发展的区域差异主要体现在区域内的发展差畀,区域数量总体差异水平呈现出下降的趋势,区域效率差异水平的走势比较复杂。中东西部三大经济区域的保险业发展差异也略有不同。基于此,文章提出三点对策建议:(1)在东部地区应改变经营模式,发展集约化经营;(2)在中部地区应该变潜在的资源优势为现实的增长优势;(3)在西部地区应大力发展经济,加强政策对保险业发展的引导。
With rapid growth of the national economy, China' s insurance industry has also made great achievement. However, the unbalanced regional development becomes more and more conspicuous for insurance industry, which extremely restricts the function and the role insurance should play. This paper will introduce the Theil index to analyze the regional differences in number and efficiency aspect for the development of China' s insurance industry. Overall, the differences in regional development of China' s insurance industry lie mainly in: developmental differences within the region, the overall declining trend in regional numerical differences, and the complex trend in regional efficiency differences. The developmental differences in central-east-west major economic regions also vary slightly. The essay gives, accordingly, three countermeasures : change the running mode and develop intensive management in the east, turn the potential resource advantages into real growth advantages in the central area, and vigorously develop economy and strengthen policy guidance for the development of the insurance industry in the west.