摘要
选取2013—2019年中国家庭金融调查(CHFS)四期数据,采用Logit和Ols模型实证分析家庭健康冲击对商业保险的影响,并重点考察风险态度在其中的作用机制与实现条件。结果表明:居民遭受健康冲击将显著增加商业保险消费,遭受健康冲击程度越大,商业保险支出就越多,且风险态度在二者关系中发挥显著的中介效应。异质性分析结果表明,不同收入、地区、户口的家庭在遭受健康冲击后对商业保险的态度也不同,对低收入水平、东部地区及城镇家庭影响会更大。据此,建议保险业开发多样化的产品来满足不同人群的健康保障需求并拓宽保险产品的责任范围;此外,政府可以利用财政补贴、税收优惠等公共管理政策来提高保障水平。
Data from four periods of the China Household Finance Survey(CHFS)from 2013-2019 are selected to empirically analyse the impact of household health shocks on commercial insurance using Logit and Ols models,and focus on the mechanism of the role of risk attitudes and the conditions of realisation in it.The results show that exposure to health shocks will significantly promote the consumption of commercial insurance,the greater the degree of exposure to health shocks,the greater the expenditure on commercial insurance,and risk attitude plays a significant mediating effect in the relationship.Heterogeneity analyses show that households with different incomes,regions,and hukou have different attitudes towards commercial insurance after suffering a health shock,with a greater impact on low-income levels,eastern regions,and urban households.
作者
张宗军
米涌溪
ZHANG Zong-jun;MI Yong-xi(School of Finance,Lanzhou University of Finance and Economics,Lanzhou Gansu 730020)
出处
《湖南财政经济学院学报》
2024年第4期5-16,共12页
Journal of Hunan University of Finance and Economics
基金
国家自然科学基金项目“农作物保险的环境治理效应:作用机理与提升路径”(项目编号:71963023)
甘肃省高等学校产业支撑计划项目“乡村振兴战略背景下立体化风险保障体系建设研究”(项目编号:2020C-28)。
关键词
健康冲击
风险态度
保险配置
双向固定效应
health shocks
risk attitudes
insurance allocation
two-way fixed effects
