CAJ | 학술논문

文章基于2002-2011年中国西部12个省份金融市场（金融中介和保险市场）发展状况面板数据，建立回归模型，利用pooled LS回归和基于贝叶斯线性回归理论的MCMC算法，对西部地区金融发展与城乡居民收入差距之间的关系进行实证分析。研究结果表明：金融中介发展拉大了西部地区城乡居民收入差距，而保险市场发展则对西部地区城乡居民收入差距的扩大有抑制作用。并在文章的最后对出现这些情况的原因以及政策建议进行了阐述。
문장기우2002-2011년중국서부12개성빈금융시장（금융중개화보험시장）발전상황면판수거，건립회귀모형，이용pooled LS회귀화기우패협사선성회귀이론적MCMC산법，대서부지구금융발전여성향거민수입차거지간적관계진행실증분석。연구결과표명：금융중개발전랍대료서부지구성향거민수입차거，이보험시장발전칙대서부지구성향거민수입차거적확대유억제작용。병재문장적최후대출현저사정황적원인이급정책건의진행료천술。
Based on the provincial panel data about the financial market (financial intermediaries and insur-ance market) in the western region of China from 2002 to 2011 ,this paper establishes a regression model and uses pooled-LS analyses and MCMC algorithm which based on Bayesian linear regression theory to em-pirical analysis the financial development in the western region of China upon the urban-rural income gap . The result shows that the development of financial intermediation widens the income gap of urban-rural ;however ,the development of insurance market has an opposite impact on the urban-rural income gap .At last ,this paper explains the reasons behind this and some suggestions are given here .