金融学院知识库

近些年随着我国经济水平的提高，保险业也逐渐发展壮大起来。但同我国的经济发展一样，保险业发展不仅省际差异显著，也呈现出了明显的地区聚集现象。保险作为社会的稳定器，主要承担社会风险管理职能，保险业发展的差异将影响一个地区社会的全面发展。随着移动互联网的逐渐普及，大数据、云计算、人工智能、区块链和物联网等保险科技的广泛应用，在推动保险行业从传统向科技赋能方面转型的同时，为保险业的发展提供了新的机遇与挑战。

本文梳理了国内外关于保险业发展地区差异、保险科技发展及保险科技对保险业影响的相关文献，对保险科技的概念进行了界定，对区域差异的主要形成理论进行了阐述。然后从我国保险业与保险科技区域差异发展的现状进行分析，探索了保险科技对保险业发展的影响机制，指出保险科技能够在保险业管理发展与推动各环节均进行参与，可以有效促进保险业发展。实证方面主要研究保险科技的发展对各地区保险业发展差异的影响，并对比分析各地区保险业发展的特点和特征。本文选取了保险密度作为被解释变量，以保险科技发展水平作为解释变量，选取金融增加值占GDP的比重、工业化率、老龄化率、教育程度、贷款余额作为控制变量，以2011-2020年全国、东部、中部、西部地区的省级数据，分别建立面板数据模型，分析保险科技的发展对东中西地区保险业差异发展的影响。回归结果显示保险科技的发展对于我国保险业整体发展呈现出显著性的促进作用。对比东、中、西三个地区我们发现，保险科技的发展每提高1%对于东部地区的保险密度影响更大，为中西部地区的两倍左右。在此基础上总结实证检验结果，并对未来保险科技推动保险业均衡发展的研究方面提出展望。

In recent years, with the improvement of my country's economic level, the insurance industry has gradually developed and expanded. However, like my country's economic development, the development of the insurance industry not only has significant inter-provincial differences, but also shows obvious regional agglomeration. As the stabilizer of society, insurance mainly undertakes the function of social risk management. Differences in the development of the insurance industry will affect the overall development of a regional society. With the gradual popularization of the mobile Internet, the wide application of insurance technologies such as big data, cloud computing, artificial intelligence, blockchain and the Internet of Things, while promoting the transformation of the insurance industry from traditional to technological empowerment, has contributed to the development of the insurance industry. provides new opportunities and challenges.

This paper combs the domestic and foreign literature on regional differences in the development of insurance industry, the development of insurance technology and the impact of insurance technology on the insurance industry, defines the concept of insurance technology, and expounds the main formation theories of regional differences. Then, based on the analysis of the current situation of the development of insurance industry and insurtech in my country, the influence mechanism of insurance technology on the development of insurance industry is explored. developing. The empirical aspect mainly studies the impact of the development of insurance technology on the differences in the development of the insurance industry in various regions, and compares and analyzes the characteristics and characteristics of the development of the insurance industry in various regions. This paper selects insurance density as the explained variable, the development level of insurance technology as the explanatory variable, and selects the proportion of financial added value in GDP, industrialization rate, aging rate, education level, and loan balance as control variables. , provincial data in the eastern, central and western regions, respectively, establish a panel data model to analyze the impact of the development of insurance technology on the differential development of the insurance industry in the eastern, central and western regions. The regression results show that the development of insurance technology has played a significant role in promoting the overall development of my country's insurance industry. Comparing the eastern, central and western regions, we found that every 1% increase in the development of insurtech has a greater impact on the insurance density in the eastern region, which is about twice that in the central and western regions. On this basis, the empirical test results are summarized, and the research direction of future insurance technology to promote the balanced development of the insurance industry is proposed.