《保险研究》20210104-《中国互联网保险的地区差距及收敛性研究》（孙喆）

［摘   要］本文基于蚂蚁金服大数据平台公布的2014年3月～2015年12月中国265个地级及以上城市的互联网保险指数数据,使用Dagum基尼系数和多种收敛方法分别对中国互联网保险的地区差距和收敛性进行实证研究。研究发现:中国城市互联网保险呈现显著的空间非均衡状态,东部地区的互联网保险发展水平最高,中部地区次之,西部地区互联网保险发展水平最低；互联网保险的地区差距呈现先上升后下降的趋势,东部地区互联网保险的地区内差距高于中部和西部地区,互联网保险的地区间差距是地区差距的主要来源；东部地区互联网保险的σ收敛特征不明显,而中西部地区互联网保险呈现σ收敛特征；全国及东中西部地区的互联网保险发展均存在绝对β收敛特征。

［关键词］互联网保险；地区差异；Dagum基尼系数；空间收敛

［作者简介］孙喆,供职于中国再保险(集团)股份有限公司博士后科研工作站。

A Research on the Regional Gap and Convergence of Internet Insurance in China

SUN Zhe

Abstract：Based on the Internet insurance index data of 265 prefecture-level-and-above cities in China from March 2014 to December 2015 published by Ant Financial Big Data Platform,this paper used Dagum Gini coefficient and various convergence methods to conduct an empirical research on the regional gap and convergence of Internet insurance in China.The results show that: the Internet insurance in Chinese cities presents a significant spatial imbalance,with the highest level in the eastern region,followed by the central region and the lowest level in the western region;the overall gap of Internet insurance shows a trend of rising first and then declining.The gap of Internet insurance in the eastern region is higher than that in the central and western regions.The regional gap of Internet insurance is the main source of the overall gap;the convergence characteristics of Internet insurance in the eastern region are not obvious,while that in the central and western regions is obvious;the development of Internet insurance in the whole country and the eastern,central and western regions has absolute β convergence characteristics.

Key words：Internet insurance;regional difference;Dagum Gini Coefficient;spatial convergence