CAJ | 학술논문

我国保险业近年来发展迅速，年均增幅超过了25％，是发展最快的行业之一。然而，地区之间、城乡之间、东西之间却存在着严重的发展不平衡；不仅表现在保险规模、保险密度和保险深度上，还表现在保险机构数量上。衡量省（自治区、直辖市）保险发展水平的主要指标包括保费规模、保费规模增长率、保险密度、保险深度、保险机构数量和保险机构总部数量等。而影响地区保险发展的因素众多，其主要因素包括GDP、人口数量及分布、城镇居民人均可支配收入和地理位置等.
아국보험업근년래발전신속，년균증폭초과료25％，시발전최쾌적행업지일。연이，지구지간、성향지간、동서지간각존재착엄중적발전불평형；불부표현재보험규모、보험밀도화보험심도상，환표현재보험궤구수량상。형량성（자치구、직할시）보험발전수평적주요지표포괄보비규모、보비규모증장솔、보험밀도、보험심도、보험궤구수량화보험궤구총부수량등。이영향지구보험발전적인소음다，기주요인소포괄GDP、인구수량급분포、성진거민인균가지배수입화지리위치등.
Insurance industry has enjoyed faster development in recent years, over 25 percent by annual margin, positioning it as one of the fastest developing industries. However, there exited an obvious misbalance among different cities, regions accordingly, especially between the rural and urban areas. This misbalance found its way in the scale, intensity and depth of insurance, as well as the amount of the insurance agencies. The main indicators to measure provincial, autonomous regional or municipal insurance development consists of the scale of insurance fees and its increase rate, intensity and depth of insurance and the amounts of insurance agencies and headquarters etc. Many elements can be found to have an influence on insurance development in different regions which mainly consists of GDP, population and its distribution, controllable income of town people and geographical location.