soft/20/233/2008/2 1942 19 17276 . html

abstract of a thesis

As an important part of China's financial system, the insurance industry has great influence on financial stability, social stability and economic development. Over the past 20 years of reform and opening up, China's insurance industry has developed at an unprecedented speed, and the social security function of insurance has been well realized. However, with the rapid development of the insurance industry, the regional differences in the development of the insurance industry in China, that is, the gap between the eastern and western insurance industries, are also increasing. Firstly, this paper points out the brilliant achievements of insurance industry in China, and illustrates the regional differences of insurance industry in China with data. Then the regional differences are explained as five main reasons: the differences in economic and cultural development level, historical, geographical and cultural factors, the current situation of insurance market and insurance institutions, the restrictive factors of insurance products and investment, and the staged characteristics of China's insurance industry. Finally, this paper puts forward three policy suggestions: 1. Formulating a feasible economic strategy to promote the development of insurance industry in the central and western regions is the basic premise to eliminate the regional differences in insurance development. 2. From the internal cause of the development of things, the central and western regions should renew their concepts, establish a modern enterprise system, actively adopt a "differentiated" market strategy, and give play to their comparative advantages and late-comer advantages. 3. From the external factors of the development of things, we should create good external conditions for the development of the insurance industry in the central and western regions, specifically, we should achieve "eastern support", "policy inclination" and "foreign capital support"!

Key words: insurance density, insurance depth, regional differences, causes of eastern, central and western regions, and policy suggestions

catalogue

I. Brilliant achievements of China insurance industry 1

Second, there are significant regional differences in the development of commercial insurance in China.

Three, the regional differences of commercial insurance in China 5 pages

1. The most direct manifestation of the economic development gap in China lies in the regional differences in the level of economic development. five

2. Historical, geographical and cultural reasons

3. The insurance industry is small in scale and scope, and the insurance market system is not perfect.

4. China insurance industry has a single product structure, low competitiveness and narrow insurance investment channels.

5. The stage of insurance market development and the optimal choice of insurance organization layout are the important reasons for the difference of insurance types.

Four, according to the regional differences in the development of China's commercial insurance policy recommendations 8

1. Formulating a feasible economic strategy to promote the development of the insurance industry in the central and western regions is the basic premise to eliminate the regional differences in insurance development.

2. From the internal cause of the development of things, the central and western regions should renew their concepts, establish a modern enterprise system, actively adopt a "differentiated" market strategy, and give play to their comparative advantages and late-comer advantages. nine

3. From the external factors of the development of things, we should create good external conditions for the development of the insurance industry in the central and western regions, specifically, we should achieve "eastern support", "policy inclination" and "foreign capital support"! 10

Reference 12

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