认知能力、金融知识与家庭商业保险需求  

Cognitive Ability,Financial Knowledge and Demand for Family Business Insurance

作　　者：曹国华[1] 王楠 任成林 CAO Guo-hua;WANG Nan;REN Cheng-lin

机构地区：[1]重庆大学经济与工商管理学院金融系 [2]重庆大学经济与工商管理学院,重庆400044 [3]重庆工商大学会计学院

出　　处：《金融论坛》2020年第12期48-58,共11页Finance Forum

基　　金：国家自然科学基金项目“多重不确定环境下创业网络混合治理机制与创新战略研究”(71772019)。

摘　　要：本文基于2018年"中国家庭追踪调查"项目数据(CFPS),考察认知能力、金融知识对家庭商业保险需求的影响。研究结果显示:认知能力能显著提升家庭商业保险需求意愿及参与程度,其中字词能力促进作用最大;金融知识在认知能力对家庭商业保险的需求影响中起部分中介作用;认知能力对中老年家庭的商业保险需求促进作用明显,金融知识对农村、低收入家庭的商业保险需求也有一定的促进作用。Based on the data of"China Family Panel Studies"in 2018(CFPS),this paper examines the impact of cognitive ability and financial knowledge on the demand for family commercial insurance.The results show that the cognitive ability can significantly improve the willingness and participation in family business insurance,in which word ability plays the most important role;the financial knowledge plays a partial mediating role in the influence of cognitive ability on the demand for family commercial insurance;the cognitive ability plays a greater role in promoting the demand for commercial insurance in middle-aged and elderly families;the financial knowledge plays a more important role in promoting the rural and low-income families’demands for commercial insurance.

关 键 词：认知能力 金融知识 商业保险 风险识别 CFPS 

分 类 号：G22[文化科学] D14[政治法律—政治学]