婚姻对家庭人身保险需求的影响——基于中国家庭金融调查(CHFS)的实证研究  

The Effect of Marriage on Household Life Insurance Demands——An Empirical Study Based on CHFS Data

作　　者：王晓全[1] 阎建军[2] 贾昊文 李莹琪 WANG Xiaoquan;YAN Jianjun;JIA Haowen;LI Yingqi(School of Insurance,Southwestern University of Finance and Economics,Chengdu 102206,China;Institute of Finance and Banking,Chinese Academy of Social Sciences,Beijing 100028,China;Research Institute of Economics and Management,Southwestern University of Finance and Economics,Chengdu 102206,China;Ping An Life Insurance Company of China,Shenzhen 518031,China)

机构地区：[1]西南财经大学保险学院 [2]中国社会科学院金融研究所 [3]西南财经大学经济与管理研究院 [4]中国平安人寿保险股份有限公司

出　　处：《金融评论》2020年第6期96-107,123,124,共14页Chinese Review of Financial Studies

摘　　要：已婚家庭的风险分担功能会减少人身保险需求,但已婚家庭财富和风险的增加、夫妻双方信息共享会促进人身保险需求。本文使用中国家庭金融调查(CHFS)2013年和2015年数据实证研究发现:婚姻能显著提高家庭商业人身保险的需求意愿与程度,在考虑遗漏变量问题后婚姻对城镇家庭的影响更显著,且结果具有稳健性;家庭收入、社会交往和家庭人口数量是婚姻影响城镇家庭人身保险需求的重要渠道,而社会交往是影响农村家庭的渠道。婚姻可以显著提高户主为男性和户主学历较高家庭的商业人身保险需求,可以提高户主健康较好家庭人身保险需求意愿、户主健康较差家庭的需求程度。本文对于正确认识婚姻与商业保险之间的关系、更好地发挥保险保障职能具有一定启示意义。Employing the data from China Household Financial Survey(CHFS)in 2013 and 2015,the article shows that marriage can significantly improve households demand for commercial life insurance,and the effects in urban families are larger after considering the omitted variables.It also finds that household income,social interaction and household size are the main factors influencing insurance demand for urban families,while social interaction is the main influencing factor for rural families.For the households with well-educated male householder,marriage can significantly increase the demand for commercial life insurance more than others.For the households with healthy householder,marriage can improve the possibility for them to buy insurance,while for those with poor health,marriage can improve their expenditure on insurance.

关 键 词：婚姻状况 商业人身保险需求 中国家庭金融调查 CHFS 

分 类 号：D14[政治法律—政治学] G22[政治法律—国际共产主义运动]