中文摘要：

基于合理选择的保险指标，利用主成分分析法对西部各省、市、自治区的保险业发展现状进行评价与比较。西部地区的各省市区保险业发展水平基本与其经济发展水平一致，呈现差异性，具有明显的不平衡性。应根据西部各省市区不同的区位优势与经济发展程度，实事求是、差别对待，制定相应经济政策，因地制宜，挖掘各省市区特有的潜力，促进经济体的协调长远发展。

英文摘要：

Based on the reasonable insurance indicators, the development actuality of insurance industry of western provinces, municipalities and autonomous regions is studied using the principal component analy sis method. The result shows that the insurance industry level is consistent with its economic develop ment, thus being differentiated and obviously unbalanced. Based on economic situations and geographical locations, some relevant policy suggestions are also provided. The research work in this paper furnishes the basis for further investigating the development level of financial industry in western China.