中文摘要：

目前我国财产保险在业务规模和赔付水平上体现出较大的区域差异性。利用面板数据单位根检验、协整检验等计量经济学方法，实证分析了宏观经济指标对财产保险业务规模和赔付水平区域差异性的影响。通过对我国2005年-2010年31个省、市、自治区6年的面板数据的研究，得出财产保险的保费收入与GDP、赔款支出与城镇居民人均消费支出之间存在长期稳定的均衡关系，并存在显著的正相关关系；在得出宏观经济的区域差异是导致财产保险区域差异的重要原因的基础上，提出了相关政策建议。这些建议包括各财产保险相关主体应认可区域差异，并因地制宜地制定监管政策、发展策略；开发区域保险产品，使产品费率能体现消费水平差异的影响。

英文摘要：

There is a large regional difference in premium income and loss level of property insurance. The paper made empirical analysis on the influence of macro-economic index on the regional difference based on panel data＇s unit root test, co-integration test, etc. By studying the panel data of 31 provinces and autonomous regions from 2005 to 2010 ,the paper drew the conclusion that there was a long-term equilibrium relationship and a significant positive correlation between premium and GDP, claims payment and per capita annual consumption expenditures of urban households. Regional difference in macro-economy was a key factor leading to difference in property insurance. The paper thereby offered some suggestions that property insurance relevant polices and strategies consumption expenditures. , and develop insurance products companies should admit regional difference and make whose premium rates reflecting regional difference in