声音作文600字摘要
改革开放以来，我国保险业一直保持强劲的发展势头，是国民经济发展最快的行业之一，已经成为社会主义市场经济不可或缺的重要组成部分，我国保险市场也成为全球最具活力的保险市场之一。根据国际经验，保险业快速发展时期也是问题集中暴露的时期，现阶段，我国保险业有效需求不足，缺乏服务创新和高素质人才，区域发展失衡的结构性矛盾也愈来愈突出。2011年，国际国内经济金融环境复杂，货币市场和资本市场波动较大，债市供求失衡，收益难以提升，股指跌幅位居全球首位，对投资收益造成严重影响，总体来看，无论国外市场还是国内市场，保险资金运用的压力和风险都在加大，监管部门也面临新的问题和挑战。①
本文在参阅了大量有关保险业发展的文献的基础上，从理论上阐述了我国保险业发展的非经济影响因素，并选取2002—2011年全国30个省市的面板数据，采用固定效应模型对GDP、城乡居民存款储蓄年底余额、人均可支配收入与总保费收入的关系进行回归分析，结果表明：人均可支配收入、城乡居民存款储蓄余额、GDP均和总保费收入存在正相关关系，且人均可支配收入对总保费收入的贡献度最大，城乡居民储蓄存款年底余额次之，GDP对保费收入的贡献度最小。然后从保险业的发展规模、保险业的发展程度和保险业的发展速度三方面比较东中西三大区域的保险业发展情况，选取2011年全国30个省市的8项指标构建评价体系，运用SPSS软件进行主成分分析和聚类分析，根据保险业发展水平的高低把30个省市划分为4类，结果表明：影响保险业发展水平的主要因素是其动力因子；保险业发
展水平的区域差异明显，整体表现为东部发达、中西部落后。在理论分析和实证分析的基础上提出促进我国保险业全面协调可持续发展的对策建议。从保险业自身发展看，应加快信息化建设，实施人才兴业战略，完善再保险服务体系等。从区域视角看，东部地区应凭借资金优势积极培育核心技术，推动产品服务创新；中西部应加快经济发展，积极开发特色险种使其潜在的保险资源优势转化为现实的竞争优势；此外，区域保险一体化是区域经济一体化对保险业发展的新要求。
bus的复数形式
关键词：保险；区域差异；主成分分析；聚类分析；面板模型
2的英文①《中国保险年鉴2012》
Abstract国库集中支付中心
Since the reform and open up, the insurance industry in our country has always maintained a strong growth momentum. It is one of the fastest growing industries in national economy and has become an indispensable component in socialist market economy. The insurance market in China has also become one of the most dynamic insurance markets in the world. According to international experience, the fast growth period of insurance industry is also a period when issues get expod frequently. During the current pha, there is not sufficient effective demand in insurance industry. It lacks innovative rvice and high quality talents. The structural conflict of unbalanced regions has su索萨
rfaced more and more prominently. In 2011, the international and domestic economic and financial environments were complicated while there were huge fluctuations in the monetary and capital market. The equilibrium cannot be reached between supply and demand in the debt market and the profit cannot be promoted. The stock market crashed most emphatically in the world which affected riously the investment return. In all, the pressure and risk are growing in applying insurance capital in both foreign and domestic markets while the supervision departments are also faced with new issues and challenges.
Bad on consulting a large amount of literatures related to insurance industry development, this paper elaborates the non-economic influence factors which effect the growth of our insurance industry development, applying fixed effect model to conduct regression analysis on the relationship between the total insurance premium income and GDP, balance of bank deposit of residents at end of the year and PCDI (per capita disposable income), with the panel data in 30 provinces and cities in China over 2002-2011. The result shows: there is respectively positive correlations between the total insurance premium income and the three variables of GDP, balance of bank deposit of residents at end of the year and PCDI, with PCDI contributing the most, balance of bank deposit of residents at end of the year contributing condly while GDP contributing the least. Then, this paper 冷漠反义词
合并文档
compares the developed scale, development degree and pace of insurance industry among the insurance industries in three major regions in the eastern, middle and western China. It lects the 8 indexes to build an evaluation system from 30 provinces and cities in 2011 nationwide, applies SPSS software to conduct principle component analysis and cluster analysis and classifies the 30 provinces and cities into 4 categories according to the insurance industry level. The result shows: the main influence factor in insurance industry development is its dynamic factor: there is evident difference in insurance industry development among regions which can mainly be en as the eastern region is developed while the regions in
轮滑技巧
mid-west China are not. Bad on theoretical and empirical analysis, this paper propos the suggestions for our domestic insurance industry to overall coordinate for the sustainable development. From the perspective of the development of insurance industry, it should accelerate information construction, apply the talent-focud strategy to develop the industry, complete the rvice system of reinsurance and etc. From the regional perspective, the eastern area should make u of the advantages on capital to cultivate the core technology, promoting the innovation of products and rvices. The Midwest area should speed up economic development and develop some special insurance breeds which can convert potential resource advantage into real competitive
advantage. Moreover, regional insurance integration is the new requirement for insurance industry under the background of regional economic integration.
Key words：insurance；regional difference；principal component analysis；cluster analysis；panel model
