保险业活动、竞争对城乡收入差距的影响  

The Effect of Insurance Industry Activity and Competition on Rural-Urban Income Gap

作　　者：薄滂沱[1] 邵全权[2] 

机构地区：[1]南开大学滨海学院,天津300450 [2]南开大学经济学院,天津300071

出　　处：《保险研究》2015年第8期3-15,共13页Insurance Studies

基　　金：中央高校基本科研业务费专项资金项目(NKZXB1418)的阶段性研究成果

摘　　要：大量理论和实证研究表明金融发展对经济增长有着显著的推动作用，随着研究的深入，金融发展推动经济增长的效应对收入分配的影响也越来越重要，但是关于保险业发展、竞争对城乡收入差距的研究却并不多见。本文将保险业活动与竞争影响城乡收入差距的内生机理划分为保险发展效应、非均衡效应和反垄断效应三类。本文选取我国各省份1999—2010年的面板数据，发现总体上看产寿险业发展会缩小城乡收入差距。然后，构建相对保险深度指标对样本分类，发现在保险业发展与经济增长匹配较好的区域发展保险业会缩小城乡收入差距，保险业与经济增长匹配较差的区域保险业则会扩大城乡收入差距。最后，保险业竞争加强垄断降低的结构调整也有利于缩小城乡收入差距。Many theoretical and empirical studies indicate that financial development has a significant role in promoting economic growth, and the effect of the financial development on income distribution is more and more impor- tant. However, there are few studies on the impacts of insurance industry＇ s development and competition on rural- urban income gap. The paper separated such impacts into effect of insurance development, non-equilibrium effect, and anti-monopoly effect. This paper selected the panel data of all provinces in China from 1999 to 2010. We found that the development of insurance industry could narrow the rural-urban income gap on the whole. With the classifi- cation of relative insurance penetration, however, we found that where insurance development matched well with eco- nomic , the development of the insurance industry narrowed rural-urban income gap, and the gap actually wid- ened when mismatch existed. And finally, with the increaseof competition in insurance industry bringing down mo- nopoly, the rural-urban income gap also narrowed.

关 键 词：城乡收入差距 相对保险深度 保险业活动 保险业竞争 

分 类 号：F840.3[经济管理—保险]