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我国保险深度与国内生产总值的关系按照保险业发展的一般规律,保费收入与国内生产总值成正向发展关系。在保险费收入与国内生产总值的具体关系上,通常用保险深度来衡量保费占国内生产总值的百分比。2009年,全球平均保险深度为7,即每100元国内生产总值中保险费的贡献平均占7元。如果我国保险深度达到世界平均水平,按照2009年GDP总量47360亿美元计算,我国保险费收入应当达到3315亿美元,但实际上当年我国保费收入仅为1630亿美元,保险深度为3.4,不及全球平均值的一半。下图为国内生产总值前十位的国家在GDP、保费收入及保险深度上的对比。
The relationship between China’s insurance depth and GDP In accordance with the general law of insurance industry, premium income and GDP have a positive development relationship. In terms of the specific relationship between premium income and GDP, it is common to use insurance depth as a measure of the percentage of premiums to GDP. In 2009, the average global insurance coverage was 7, making an average contribution of 7 yuan per 100 yuan contribution to premiums in GDP. If the depth of China’s insurance reaches the world average, according to the total GDP of 4,736 billion U.S. dollars in 2009, China’s premium income should reach 331.5 billion U.S. dollars. In fact, China’s premium income was only 163 billion U.S. dollars and the insurance depth was 3.4. Half of the average. The figure below shows the comparison of GDP, premium income and insurance depth among the top ten countries in GDP.