关系、保险购买与保险赔付  

Guanxi,insurance purchasing and insurance compensation

作　　者：张栋浩 杜在超[1] 张林[1] 朱光伟[1] 

机构地区：[1]西南财经大学经济与管理研究院,成都611130

出　　处：《管理科学学报》2016年第12期95-109,共15页Journal of Management Sciences in China

基　　金：国家自然科学基金资助项目(71401140);中央高校基本科研业务费专项资金资助项目(JBK1507082)

摘　　要：基于中国家庭金融调查2011年数据,研究了"关系"对家庭商业保险购买及保险赔付的影响.利用构建的家庭关系指标,研究发现:1)关系每增加1%,家庭购买商业保险的概率大约增加0.3%,家庭获得保险赔付的概率增加0.06%;2)不同维度的关系子指标对家庭购买商业保险的影响不同;3)关系可以显著提高家庭购买寿险、财产险的概率,但是对养老险、健康险没有显著影响;4)关系可以通过社会互动影响家庭购买保险和获得保险赔付的概率.Using 2011 China Household Finance Survey（CHFS） data, this paper investigates the effects of Guanxi on households＇ commercial insurance purchasing and insurance compensations. It is found that as Guanxi index increases by 1%, the probability of purchasing commercial insurance increases by 0.3 % ap- proximately, and the probability of receiving insurance compensation increases by 0.06 %. In addition, the four Guanxi sub-indices have different influences on households＇ insurance purchasing behavior. Moreover, Guanxi mainly affects the purchasing of life and property insurance rather than pension and health insurance. Finally, it is found that Guanxi can influence households＇ insurance purchasing and compensation through the social interaction channel.

关 键 词：关系 保险购买 保险赔付 社会互动 

分 类 号：C912.3[经济管理] F842.4[社会学]