改革开放30多年来,我国在经济方面取得了迅速发展,然而,地区间的经济发展水平的差距在逐步拉大,保险市场在地区发展上也存在一定的不平衡。随着国家“十二五”规划“促进区域协调发展”重要战略的实施,保险业区域发展平衡性问题受到众多学者的关注。然而,有关研究多通过保费收入、保险密度和保险深度等指标来反映保 Over the past 30 years of reform and opening up, China has made rapid economic progress. However, the gap between the levels of economic development among regions is gradually widening. There is also some imbalance in the development of insurance markets in the region. With the implementation of the national “Twelfth Five-Year Plan” and the important strategy of “Promoting the Coordinated Development of Regions”, the balance of the development of the insurance industry has attracted the attention of many scholars. However, most of the studies reflect insurance premiums, insurance densities and insurance premiums