金融知识与家庭商业保险需求——基于中国家庭金融调查(CHFS)数据的分析  

Financial Knowledge and Household Commercial Insurance Demand:An Analysis Based on CHFS Data

作　　者：胡旻皓 HU Minhao(School of Statistics and Management,Shanghai University of Finance and Economics,Shanghai 200433)

机构地区：[1]上海财经大学统计与管理学院,上海200433

出　　处：《上海立信会计金融学院学报》2020年第5期52-64,共13页Journal of Shanghai Lixin University of Accounting and Finance

摘　　要：本文立足于金融知识与家庭商业保险需求的关系,实证分析了金融知识对家庭商业保险参与决策及对家庭商业保险投入资金的影响。具体使用中国家庭金融调查(CHFS)2013年、2015年和2017年的调查问卷数据并采用Logit模型与Tobit模型,研究金融知识对家庭商业保险参与决策和投入资金比例的关系。研究发现,金融知识对家庭商业保险参与决策、家庭商业保险投入资金有显著正向影响,且该影响在城市家庭中显著,在农村家庭中不显著。为了处理内生性问题,本文使用准自然实验法建立倾向性评分双重差分模型(PSM-DID),证明基准模型结论稳健。结合基准模型与准自然实验的研究结果,本文认为丰富的金融知识可以提高家庭商业保险需求。Based on the relationship between financial knowledge and household commercial insurance demand,this paper empirically analyzes the impact of financial knowledge on household commercial insurance participation and investment in commercial insurance.Using the questionnaire data of CHFS for three consecutive surveys(2013,2015 and 2017),the paper studies the relationship between financial knowledge and participation in decision-making and investment proportion of household commercial insurance.It’s found that financial knowledge has positive impacts both on participation in decision-making and investment proportion.However,this influence is significant in urban families,while not in rural families.In order to deal with the endogeneity problem,a PSM-DID model is established by quasi natural experiment,which proves that the conclusion of the benchmark model is robust.Combined with the research results of benchmark model and quasi natural experiment,the paper concludes that financial knowledge can improve the household commercial insurance demand.

关 键 词：家庭商业保险 金融知识 双重差分 倾向性评分 

分 类 号：F842.5[经济管理—保险]