中国家庭商业人身保险需求现状及其影响因素——基于中国家庭金融调查的实证研究  

The Status Quo and Factors to Impact the Commercial Life Insurance Demand of Chinese Households——An Empirical Research Based on CHFS

作　　者：王宏扬[1] WANG Hong-yang

机构地区：[1]西南财经大学经济与管理研究院

出　　处：《金融论坛》2017年第3期51-65,共15页Finance Forum

基　　金：中央高校基本科研业务费专项资金资助(JBK1607015);项目名称:社会保障;金融市场参与和家庭资产配置

摘　　要：本文利用中国家庭金融调查(CHFS)数据,分析中国家庭商业人身保险需求现状及其影响因素。研究表明,中国家庭的商业人身保险需求较低,从保险需求方家庭的角度看,对保险产品不信任、金融市场参与积极性不高,是抑制家庭保险需求的重要原因;家庭重要性的感知越强,家庭的商业人身保险需求越大;风险偏好较强的家庭更可能购买商业人身保险;少儿占比、老年人占比与商业人身保险需求呈现倒U形关系。The author of this paper uses the data of China Household Financial Survey （CHFS） to analyze the status quo and factors to impact the commercial life insurance demand of Chinese households. The results of the paper show that the commercial life insurance demand of Chinese households is low, and the reasons of the low demand from the perspective of households, the insurance demand side, include the non- trust in insurance products and low participation in financial markets; the stronger the perception of the importance of household, the greater the commercial life insurance demand; the stronger the risk preference of households, the greater the possibility that they buy the commercial life insurance; the ratios of the child and the elderly in household show an inverted U-shaped relationship with the commercial life insurance

关 键 词：商业人身保险 保险信任 金融市场参与 中国家庭金融调查 

分 类 号：F842.62[经济管理—保险]