财产保险公司的地理扩张与利润
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王向楠
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The geographical expansion and profit of property insurers
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Xiangnan WANG
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表1 2013年中国主要产险险种发展程度和赔付率的空间分异性 |
Tab. 1 Spatial stratified heterogeneity for the development degree and loss ratio of main property insurance categories in China in 2013 |
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区域所含地级 单位数 | 东北 | | 华北 | | 华东 | | 华南 | | 华中 | | 西北 | | 西南 | q统计量(%)(显著性) 基于省级单位计算 | 40 | | 31 | | 66 | | 37 | | 55 | | 53 | | 54 | 机动车险 | 占比(%) | 70.3 | | 80.1 | | 77.2 | | 76.6 | | 79.0 | | 71.6 | | 74.0 | 51.0 (0.000) | 深度(%) | 0.53 | | 0.91 | | 0.83 | | 0.73 | | 0.62 | | 0.78 | | 0.97 | 40.8 (0.000) | 赔付率(%) | 52.8 | | 52.4 | | 56.0 | | 51.2 | | 53.2 | | 50.6 | | 51.4 | 18.9 (0.000) | 企业 财产险 | 占比(%) | 4.4 | | 4.4 | | 4.3 | | 3.7 | | 2.8 | | 4.1 | | 2.3 | 24.6 (0.000) | 深度(%) | 0.04 | | 0.05 | | 0.05 | | 0.04 | | 0.02 | | 0.05 | | 0.03 | 22.2 (0.000) | 赔付率(%) | 43.9 | | 43.5 | | 47.4 | | 102.2 | | 61.7 | | 52.2 | | 54.6 | 19.4 (0.000) | 农业保险 | 占比(%) | 13.0 | | 4.5 | | 2.4 | | 3.0 | | 6.0 | | 9.6 | | 9.2 | 45.2 (0.000) | 深度(%) | 0.09 | | 0.06 | | 0.03 | | 0.03 | | 0.04 | | 0.10 | | 0.11 | 31.0 (0.000) | 赔付率(%) | 78.5 | | 44.2 | | 46.6 | | 62.5 | | 63.2 | | 50.0 | | 45.0 | 27.6 (0.000) | 信用 保证险 | 占比(%) | 2.4 | | 6.2 | | 5.3 | | 5.7 | | 4.6 | | 4.0 | | 3.7 | 21.5 (0.000) | 深度(%) | 0.05 | | 0.03 | | 0.05 | | 0.08 | | 0.04 | | 0.06 | | 0.06 | 17.9 (0.000) | 赔付率(%) | 10.2 | | 29.6 | | 31.1 | | 19.7 | | 22.5 | | 15.2 | | 22.4 | 23.1 (0.000) | 责任险 | 占比(%) | 2.3 | | 2.7 | | 3.8 | | 3.4 | | 3.5 | | 2.8 | | 2.6 | 38.7 (0.000) | 深度(%) | 0.02 | | 0.03 | | 0.03 | | 0.03 | | 0.03 | | 0.05 | | 0.05 | 37.0 (0.000) | 赔付率(%) | 47.2 | | 38.1 | | 40.8 | | 40.4 | | 45.8 | | 35.4 | | 36.1 | 21.1 (0.000) | 其他险 | 占比(%) | 5.1 | | 5.3 | | 8.1 | | 10.0 | | 7.4 | | 9.6 | | 9.1 | 48.3 (0.000) | 深度(%) | 0.04 | | 0.05 | | 0.08 | | 0.08 | | 0.06 | | 0.12 | | 0.11 | 42.0 (0.000) | 赔付率(%) | 46.5 | | 53.1 | | 47.3 | | 52.6 | | 47.3 | | 52.2 | | 45.2 | 13.6 (0.000) |
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