互联网保险能否促进保险消费——基于北大数字普惠金融指数的研究  

Can Internet Insurance Promote Insurance Consumption? A Study Based on Peking University Digital Inclusive Financial Index

作　　者：黄星刚 杨敏[2] Huang Xinggang;Yang Min

机构地区：[1]中南财经政法大学金融学院 [2]湖北经济学院金融学院

出　　处：《宏观经济研究》2020年第5期28-40,共13页Macroeconomics

摘　　要：本文基于中国2011年至2018年省级层面的保险消费数据,同时借助北大数字普惠金融指数中的保险指数来衡量互联网保险的发展情况,实证检验了互联网保险对保险消费的影响。结果显示:互联网保险不能促进总体的保险消费,只是替代了部分传统保险业务;进一步将保险消费按险种细分后发现,互联网保险可以促进产险和意外险的保险密度的提升;最后,互联网保险的促进作用会随着人口结构、教育水平和地区的不同存在差异。因此,保险公司在发展互联网保险业务时,应降低保险条款的复杂程度,发挥互联网保险的普惠价值。This paper is based on China’s provincial-level insurance consumption data from 2011 to 2018,and at the same time uses the insurance index in the Peking University Digital Inclusive Financial Index to measure the development of Internet insurance,empirically testing the impact of Internet insurance on insurance consumption.The results show that:Internet insurance cannot promote the overall insurance consumption,but only replaces part of the traditional insurance business;after further subdividing insurance consumption by types of insurance,it is found that Internet insurance can promote the increase in the insurance density of property insurance and accident insurance;finally,the promotion effect of Internet insurance will vary with population structure,education level and region.Therefore,when developing an Internet insurance business,insurance companies should reduce the complexity of insurance terms and give play to the universal value of Internet insurance.

关 键 词：互联网保险 保险消费 保险密度 保险深度 数字普惠金融指数 

分 类 号：F842[经济管理—保险] F724.6