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文章利用1980～2006年我国城乡收入差距和寿险密度的年度数据进行协整分析,并运用Granger因果关系实证检验了二者之间的关系。研究结果表明:无论长期还是短期,我国城乡收入差距都对寿险需求具有Granger因果关系,并由此提出了增加保险需求和缩小收入差距的政策措施建议。
This paper uses the annual data of urban-rural income gap and life insurance density in China from 1980 to 2006 to conduct co-integration analysis, and uses Granger causality to test the relationship between the two. The results show that both urban and rural income disparity in our country have Granger causality to the demand of life insurance in both the long run and the short run, and put forward the policy suggestions on how to increase the insurance demand and narrow the income disparity.