“幸福”会促进保险消费吗?——来自CHARLS数据的证据  

Will Happiness Promote Insurance Expenditure?——Evidence from CHARLS data

作　　者：闫啸 王奇[2,3] 

机构地区：[1]宁夏宝丰集团,甘肃宁夏750000 [2]西南财经大学保险学院,深圳518048 [3]中国平安人寿保险股份有限公司,深圳518048

出　　处：《保险职业学院学报》2017年第4期18-22,共5页Journal of Insurance Professional College

摘　　要：幸福感作为社会学中衡量生活状态的一个重要的综合指标,本文主要研究在经济学中其对购买商业人身保险的意愿具有怎样的影响。一方面,幸福感的上升,可能会主观上减少未来的不确定性,减少商业人身保险需求;另一方面,幸福感的上升,往往伴随着购买商品的意愿的增加,增加商业人身保险需求。本文通过2013年的中国健康与养老追踪调查(CHARLS)截面数据,研究发现幸福感对于购买商业人身保险的意愿的综合效果是正向的,幸福感上升会显著增加购买商业人身保险的意愿。Happiness, as an important comprehensive indicator of the state of life in sociology, has an important impact on the purchase of life insurance. On the one hand, the rise in happiness may subjectively reduce the uncertainty of the future to reduce the demand for personal life insurance; on the other hand, happiness rising is often accompanied by increased willingness to buy goods, so as to increase life insurance needs. Based on the data from CHARLS in 2013, it is found that happiness is positively related to the purchase of life insurance, and that a rise in happiness will significantly increase the willingness to purchase life insurance.

关 键 词：幸福感 保险消费 综合影响 

分 类 号：F840.41[经济管理—保险]