CAJ | 학술논문

对我国19922011年保险市场保险深度、保险密度和城乡居民收入差距的动态关系进行了分析，并运用VAR模型、Johansen协整检验、格兰杰因果关系检验进行了实证研究。结果表明：保险市场和城乡收入差距之间存在长期关系，其中保险市场的深度与收入差距呈正相关，而保险市场的密度与收入差距呈负相关。说明随着我国保险市场规模的不断发展将会拉大城乡收入差距，而通过不断扩大保险的覆盖面可以有效缩小城乡收入差距，文章对其背后的原因进行了阐述并给出了相应的政策建议。
대아국19922011년보험시장보험심도、보험밀도화성향거민수입차거적동태관계진행료분석，병운용VAR모형、Johansen협정검험、격란걸인과관계검험진행료실증연구。결과표명：보험시장화성향수입차거지간존재장기관계，기중보험시장적심도여수입차거정정상관，이보험시장적밀도여수입차거정부상관。설명수착아국보험시장규모적불단발전장회랍대성향수입차거，이통과불단확대보험적복개면가이유효축소성향수입차거，문장대기배후적원인진행료천술병급출료상응적정책건의。
The authors of this paper analyze the dynamic relationship between the density and depth of our country’s insurance market and the income gap between urban and rural residents from 1992 to 2011,and conduct an empirical study through VAR model,Johansen cointegration test,and Grainger causality test.The results show that there is a long-term relationship between the insurance market and the income gap between urban and rural areas,where the depth of the insurance market and the income gap has a positive correlation,while the density and the income gap insurance market are negatively correlated and that the continuous development of China’s insurance market will widen the income gap between urban and rural areas,while expanding in-surance coverage can effectively narrow the income gap between them.Finally the authors explain the reason behind these problems and make some corresponding policy recommendations.