Xiangxi Autonomous Prefecture, Residents’ Income Growth Associated With The Development Of Insurance Market Research

On the basis of the summary of the development of xiangxi autonomous prefecture of insurance market,establish an objective quantitative evaluation index。In xiangxi autonomous prefecture in 2005-2014 insurance market insurance depth and insurance density and the dynamic relationship between urban and rural residents income gap are analyzed,and using the Views measurement method,Johansen cointegration test,granger causality test has carried on the empirical research。The results show that the insurance market and the long-term relationship between the income gap between urban and rural areas,of which the depth of the insurance market and the income gap of urban and rural residents were positively correlated,and the density of insurance market and the income of urban and rural residents were positively correlated。Article expatiates on the reasons behind and to its relevant policies and Suggestions are put forward。The main content of this article includes five parts: the first part of the research status at home and abroad are summarized and comments. Suggestions for the second part analysis the status of insurance, including premium income, insurance depth and insurance density, insurance, financial status, the insurance market main body, the insurance market structure. The third section Outlines Suggestions for social development and the analysis of the urban and rural residents’ income growth. The fourth part focused on the income of urban and rural residents for Suggestions for growth and development of quantitative analysis of insurance market, it is concluded that: the development of insurance market indicators and Suggestions for urban and rural income growth changes have a close relationship.(1) insurance depth and there is a long-term equilibrium relationship between urban and rural income, and positively to the relationship. This shows increasing along with the urban and rural income and scale expands unceasingly, Suggestions for the insurance market in the economic income of fiscal position for promotion.(2) insurance density and there is a long-term equilibrium relationship between urban and rural income, and positively to the relationship. It reflects the increasing along with the urban and rural income and scale expands unceasingly, premium income per capita also improve accordingly, Suggestions for insurance popularity is higher and higher.(3) of the premium income is the most important channels of capital inflows, the insurance company for insurance is protection for the formation of the common risk guarantee and allocation of funds, premium income and there is a long-term equilibrium relationship between the income of urban and rural residents, and there was a positive relationship. It reflects the residents along with increasing the income of urban and rural residents to buy insurance consciousness has also been gradually enhanced, the profitability of insurance company is constantly improving, insurance market’s overall performance is getting better and better. The fifth part to speed up the development of insurance market, policy Suggestions to improve the income of urban and rural residents.