收入分配的公平性与保险市场发展的关联分析
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财经研究 2004 年 第 30 卷第 01 期, 页码：72 - 81
摘要
参考文献
摘要
收入分配通常包括两个方面:收入水平和分配的公平性,本文主要是对收入分配的公平性与保险市场的发展做了关联分析。收入分配的公平性影响着人们的实际收入,从而影响着保险需求。所以,在考虑保险市场的发展和潜在需求时,必须考虑收入分配的公平程度。本文对不同经济发展水平的国家进行了研究,得出了不同的结果。经济发展水平的高低程度不同,收入分配的公平程度对保险市场有着不同的影响。在低收入国家中,收入分配越不公平,保险需求相对增加;在中等收入国家中,收入分配越不公平,保险需求相对减少;而在高收入国家中,收入分配的公平与否对保险需求几乎没有影响。
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[2] Branko Milanovic and Shlomo Yitzhaki (working paper). Decomposing world incomedistribution: Does the world have a middle class[J]. World Bank Research,2002．
[3] Browne, Mark J. and Kim, Kihong. An international analysis of life insurance demand[J]. Journal of Risk and Insurance 1993,60:616-634．
[4] Campbell, R. A. The demand for life insurance: An application of the economics of un-certainty[J]. Journal of Finance 1980,35:1155-1172．
[5] Chotikapanich, Valenzuela and Rao. Global and regional inequality in the distribution ofincome:Estimation with limited and incomplefe data[J]. Empirical Economics, 1997,vol. 22, pp. 533-546．
[6] Dianqing Xu, and Zhi Wang (working paper). The efficiency and distribution effects ofChina social security reform[J]. World Bank Research,2000．
[7] Deininger, Klaus, and Squire, Lyn. A new data set measuring income inequality[J].World Bank Economic Review 1996,10:565-91．
[8] Dimitri Vittas (working paper). The argentine pension reform and its relevance foreastern europe. Distribution income on pension system [R]. World Bank Research,1973．
[9] Firebaugh, Glenn. Empirics of world income inequality[J]. American Journal of Sociology, 1999,vol.104, pp. 1597-1630．
[10] Smeeding, Timothy. Poverty, inequality, and family living standards impacts acrossseven nations: The effect of noncash subsidies for health, education and housing[J].Review of Income and Wealth, 1993,39: 229-56．
[11] Truett, D. R and Truett, Lila J. The demand for life insurance in mexico and the U-nited States: A comparative study[J]. The Journal of Risk and Insurance, 1990,57:321-328．
[12] Williamson, Jeffrey G. Globalization and inequality then and now:The late 19th andlate 20th centuries compared[R]. NBER Working Paper 5491, March, 1999．
[13] Yao, Shujie and Liwei Zhu. Understanding income inequality in China: A multiangleperspective[J]. Economics of Planning, 1998, Vol. 31, No. 2-3, pp. 133-150．
[14] 粟芳.保险规模的预测模型及实证分析[J].金融研究,2000,(3) .
[15] 白雪,杨振宇.浅析恩格尔系数与保险密度的综合分析功能[J].上海保险,1999,(10) .
[16] 俞自由,粟芳,纪冰.保险市场规模发展的研究[J].预测,2001,(7) .
引用本文
粟芳. 收入分配的公平性与保险市场发展的关联分析[J]. 财经研究, 2004, 30(1): 72–81.
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