CAJ | 학술논문

本文首先分析了保险市场区域均衡发展的内涵。通过分析区域保险需求的影响因素，以及区域保险市场发展水平与经济发展水平关系的实证研究，结果表明各地区保险市场发展水平并不会随着经济的发展而必然趋同，保险市场环境的差异是导致区域保险市场发展水平差异的一个重要因素。因此，需要通过政策引导，以建立保险市场自我发展机制、释放需求潜力。
본문수선분석료보험시장구역균형발전적내함。통과분석구역보험수구적영향인소，이급구역보험시장발전수평여경제발전수평관계적실증연구，결과표명각지구보험시장발전수평병불회수착경제적발전이필연추동，보험시장배경적차이시도치구역보험시장발전수평차이적일개중요인소。인차，수요통과정책인도，이건립보험시장자아발전궤제、석방수구잠력。
This paper discusses the correct definition of regional equilibrium at first. Then, it studies the deter-minant factors of regional insurance demand and the relationship between regional economic development and regional insurance development. The result indicates that the differences of regional insurance development will not necessarily narrow and disappear as the result of economic development. Therefore, there is a need to take measures in order to set up the self-development mechanism of regional insurance market and thus release re-gional insurance demand.