新疆城乡收入差距对保险需求影响的实证分析

近年来,新疆城乡居民收入差距逐步扩大,导致消费结构和层次的变化。本文基于协整分析,利用Granger因果检验法,对1985年-2005年保险需求和收入差距的关系做出实证研究。研究的结果表明,保险需求和收入差距呈正相关且之间具有Granger因果关系,并提出了增加保险需求和缩小收入差距的政策措施。

An Empirical Analysis of the Influence of Income Gap between Urban and Rural Areas on Insurance Demand in Xinjiang

In some recent years,the income gap between urban and rural areas in Xinjiang is widening,which has led to the changes in the residents' consumption structures and styles.On the basis of statistical data from 1985 to 2005,the paper carries out an empirical analysis of the relationship between insurance demand and income gap between urban and rural areas in Xinjiang by employing the econometric Co-integration analysis and Granger cause-and-effect method of calibration.The findings show that there is a kind of positive correlation between the insurance demand and income gap in urban and rural areas,with the latter being the Granger cause of the former.The paper also gives some advice to expand the insurance demand and narrow the income gap between urban and rural areas in Xinjiang.