在我国经济从高速发展迈向高质量发展的大环境下，保险业近年来实现了从粗放式发展向精细化发展的转变，保费收入规模的增长颇为显著，保险行业展现出巨大的发展潜力。然而在当前行业发展进程当中，保费收入的区域差异问题依旧十分突出，一系列发展方面的瓶颈急切需要被突破。本文依据2024年的全国31个省级行政区域的截面数据，运用计量经济学的分析方法，借助Stata软件来开展数据处理以及实证研究，着重探讨人均可支配收入、人均地区生产总值、大学本科总人数对于保费收入所产生的影响效应，并根据结论提出相关建议。

Against the backdrop of China's economic transition from rapid growth to high-quality development, the insurance industry has achieved a shift from extensive to refined development in recent years, with notably significant growth in premium income scale, demonstrating immense potential for expansion. However, during the current industry development process, regional disparities in premium income remain pronounced, and a series of bottlenecks urgently need to be addressed. Based on cross-sectional data from 31 provincial-level administrative regions in 2024, this paper employs econometric analysis methods and utilizes Stata software for data processing and empirical research, focusing on the impact of per capita disposable income, regional GDP per capita, and the total number of undergraduate degree holders on premium income. Relevant recommendations are proposed based on the findings.