中国保险发展的地区差异及对策

中国保险发展的地区差异主要表现在不同地区保费收入与市场竞争程度方面的差异较大,其成因既有一般因素,也有由于中国保险发展所经历的特有路径所造成的特殊因素。保险发展较大的地区差异不利于中国落后地区经济的发展和国家宏观经济战略的实现,应从监管方式、政策保险与社会保险、产品创新、信息化建设、人才战略几个方面采取相应的对策,促进中国保险业均衡、健康的发展。

Regional differences of Chinese insurance industry's development and countermeasure

According to recent situation, obvious regional differences has become one of the major problems confronted with the development of insurance of our country.The regional differences of insurance of our country mainly are showed in the income and marketing competition differences between different regions.The reasons for this have both general factors and particular factors created by the special path of insurance development of our country. Marked regional differences of insurance's development don't benefit the economic development of backward areas and the realization of macroeconomic strategy of our country,adjustment and construction must be done to the insurance supervision pattern, policy insurance and social insurance,product innovation,information construction and talent strategy to promote the development of insurance industry stably and healthily.