摘要
随着我国步入老龄化社会,商业保险作为社会保障的重要支柱需要引起大家足够的重视,但是商业保险在中国家庭中的实际拥有率并不高,因此了解哪些因素影响人们购买商业保险非常重要。使用2015年中国家庭金融调查(CHFS)的数据,通过Probit模型实证分析家庭的收入、学历和社会互动等因素对居民参与保险市场的影响。研究发现居民的家庭收入和接受教育都对居民购买商业保险有着正向的作用。社会互动更是对人们的参保行为产生了极大的促进作用。从社会视角,发现提高居民之间的互动交流是推动商业保险市场发展的重要途径。
As China slowly enters an aging society, we should attach great importance to commercial insurance, but commercial insurance, as a supplement to social security, does not actually have a high share of Chinese households.It is therefore important to understand what influences people＇s buying commercial insurance.Using data from the 2015 China Household Financial Survey（CHFS）, this paper uses the probit model to analyze the relationship between family income, education background, social interaction and residential insurance market participation.The study found that residents＇ family income and education have a positive effect on buying commercial insurance. Social interaction plays a more important role in people＇s insurance behavior. From the social paint of view, it may be discovered that enhancing the interaction between residents is an important way to promote the development of commercial insurance market.
作者
江海洋
谷政
Jiang Haiyang;Gu Zheng(Finance School, Nanjing Audit University, Nanjing 211815, China)
出处
《金融理论探索》
2018年第3期56-64,共9页
Exploration of Financial Theory
基金
国家社科重大项目"金融服务养老的理论框架
国际经验
中国路径研究"(17ZDA072)
江苏科技金融体系创新研究基地(2012XWJD008)
江苏省重点序列学科应用经济学(苏政办发[2014]37号)
