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insurance-sector-comparison

保险行业对比分析工具。对比国内外保险市场、中外保险公司、不同险种发展。接入AkShare开源保险行业数据,支持实时数据获取和自动更新。

适用于国际化研究、竞争分析。

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See how to install

Files included (4)

  • SKILL.md2.5 KB
  • LICENSE46 B
  • requirements.txt15 B
  • scripts/main.py21.7 KB

SKILL.md (original)

Review the instructions the agent will receive before you install.

保险行业对比分析器

功能

  • 中外保险市场对比(接入AkShare实时数据)
  • 保险深度/密度对比
  • 国内外保险公司对比
  • 不同市场发展阶段
  • 中国保险市场结构分析
  • 国际经验借鉴
  • 自动更新机制

数据源

数据源接口说明
AkSharemacro_china_insurance中国保险业经营情况(国家统计局)
AkSharemacro_china_insurance_income原保险保费收入(东方财富)
AkSharemacro_china_gdp中国GDP数据(计算保险深度)
瑞士再保险Sigma报告参考数据全球保险市场参考

使用方法

# 全球市场对比(默认)
python scripts/main.py

# 保险深度/密度对比
python scripts/main.py --penetration

# 中国保险市场结构
python scripts/main.py --structure

# 强制更新缓存
python scripts/main.py --force

# 执行自动更新
python scripts/main.py --update

核心指标

指标说明
保险深度保费/GDP
保险密度人均保费
渗透率保险普及程度
赔付率赔付支出/保费收入

实时数据内容

通过AkShare接口获取的中国保险数据:

  • 原保险保费收入
  • 财产险保费收入
  • 人身险保费收入(寿险、健康险、意外险)
  • 原保险赔付支出
  • 资产总额
  • 业务及管理费
  • 银行存款和投资情况

自动更新机制

  • 缓存有效期:12小时
  • 数据源:AkShare开源数据接口
  • 失败回退:使用参考数据
  • 缓存位置:data/sector_cache.json
  • 依赖库:akshare(需安装)

安装依赖

pip install akshare pandas

数据说明

  • 中国保险数据:通过AkShare实时获取国家统计局和银保监会公开数据
  • 全球市场数据:参考瑞士再保险Sigma年度报告
  • 数据更新频率:每日(AkShare数据通常有1-2个月滞后)
  • 数据质量:自动检测数据获取状态,失败时提供友好的错误提示

计算指标

自动计算的指标包括:

  • 保险深度(保费/GDP)
  • 简单赔付率
  • 财产险/人身险占比
  • 人身险内部结构(寿险/健康险/意外险占比)

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