PDF(Pubmed)
Abstract：
In the context of digitization, the insurance industry\'s value chain is undergoing significant shifts. However, the existing research on its comprehension and measurement remains relatively limited. This study constructs an index system for digital transformation in the insurance industry (DTII) on three components: digital infrastructure, digital platform, and digital applications. Utilizing data from 31 provinces in China, this study employs the entropy weight method, analytic hierarchy process method and minimum relative entropy method to measure the weights of indicators, empirically applying this index system. The results show that DTII in China experiences rapid advancement with an average annual growth rate of 20.46% from 2014 to 2020 and there exists strong regional convergence. In addition, the spatial agglomeration and spatial effects of DTII are mainly concentrated in the life insurance industry and the eastern region. This study provides an index system and empirical evidence for evaluating the DTII, providing policy insights for exploring the sustainable development path of the insurance industry in the digital era.
摘要：
在数字化的背景下，保险业的价值链正在经历重大转变。然而,关于其理解和测量的现有研究仍然相对有限。本研究从数字基础设施、数字平台,数字应用。利用中国31个省份的数据，本研究采用熵权法，用层次分析法和最小相对熵值法衡量指标的权重,实证应用这一指标体系。结果表明,2014-2020年我国DTII快速发展,年均增长率为20.46%,且存在较强的区域趋同。此外,DTII的空间集聚和空间效应主要集中在寿险业和东部地区。本研究为评估DTII提供了指标体系和经验证据，为探索数字时代保险业可持续发展路径提供政策启示。
