《保险研究》20211101-《市场潜能对中国保险业集聚发展的影响及其作用机制》（李沅曦、宋昌耀）

［摘   要］本文基于中国地级及以上城市的保险业面板数据,实证检验市场潜能对中国保险业空间集聚的影响及其作用机制。研究发现:市场潜能对保险业发展具有显著的积极影响,财产保险相较于人身保险受市场潜能的影响更为显著。市场潜能对东部沿海城市、中心城市和大型城市的保险业发展影响较大,其主要作用机制是市场邻近机制,供给邻近机制、中介邻近机制影响较小。文章为不同类型城市通过扩大市场潜能以促进保险业集聚提供理论支撑和实践指导,以期推动中国保险业的空间均衡水平和高质量发展。

［关键词］保险业；财产保险；人身保险；市场潜能；集聚发展

［基金项目］国家社会科学基金重大项目(20ZDA040)资助。

［作者简介］李沅曦,北京大学政府管理学院博士研究生；宋昌耀(通讯作者),北京第二外国语学院旅游科学学院讲师。

The Impacts and Mechanisms of Market Potential on the Agglomerative Development of China′s Insurance Industry

LI Yuan-xi,SONG Chang-yao

Abstract：This paper analyzed the panel data of cities above the prefecture level in China to empirically test the impact of market potential on the spatial agglomeration of China′s insurance industry and its mechanisms.The main conclusions are shown below.Market potential has a significant positive impact on the development of the insurance industry and the property insurance is more significantly affected by market potential than life insurance.Market potential has a greater impact on the development of the insurance industry in eastern coastal regions,central cities and large cities.The main mechanism of market potential to promote the development of the insurance industry is the market proximity mechanism.The supply proximity mechanism and insurance intermediary proximity mechanism have a relatively low impact.Based on this,this paper provides theoretical support and practical guidance for different types of cities to promote the agglomeration of the insurance industry through the role of market potential,in order to enhance the spatial equilibrium and high quality development of China′s insurance industry.

Key words：insurance industry;property insurance;life insurance;market potential;agglomerative development