收入差距对保险市场发展影响的实证分析

不同收入水平的消费者对保险的需求是不同的。绝对收入水平和保险市场大小之间存在着显著的正相关关系。收入的相对水平(收入差距)与保险市场大小之间也存在着一定的相关关系。实证分析结果表明,对低收入国家而言,收入差距与保险市场发展成正相关关系;对中等收入国家而言,收入差距与保险市场发展成负相关关系;而高等收入国家的收入差距与保险市场发展不存在相关关系。

Empirical Analysis to the Influence of the Income Gap on the Development of Insurance Market

The demands on the insurance of the consumers at different income levels are different.There are significant positive correlations between the absolute income level and the size of the insurance market.And there are certain relevant relations between the size of the insurance market and the relative levels(income gap)of the income.The empirical example analysis results show that the income gap and insurance market development have a positive correlation in the low income countries,the income gap and insurance market development have a negative correlation in the middle income countries,and the income gap and insurance market development have no correlation in the high income countries