主客观风险偏好对家庭保险配置的影响——基于家庭金融数据的实证分析  

作　　者：任婧 

机构地区：[1]中央财经大学保险学院,北京102206

出　　处：《保险职业学院学报》2021年第2期48-56,共9页Journal of Insurance Professional College

摘　　要：家庭风险态度与家庭风险资产配置情况高度相关,但家庭风险资产持有情况可能与主观风险态度存在偏差,主客观风险态度一致性假设受到挑战。本文以2017年中国家庭金融调查数据为研究对象,系统分析了主客观风险态度差异以及主客观风险态度对家庭保险配置的影响。首先,本文在不同研究背景下构建定序Probit模型、定序Logit模型以及Tobit模型,分析主客观风险态度的影响因素及二者的差异。之后构建Probit模型深入研究主客观风险态度对商业保险、社会保险配置的影响。本文的研究内容对于引导家庭树立正确的风险观念、进行科学合理的保险资产配置具有重要的参考价值。Family risk attitude is highly related to the allocation of family risk assets,but the holding of family risk assets may deviate from the subjective risk attitude.So the assumption of consistency of subjective and objective risk attitude is challenged.Based on the 2017 China Household Financial survey data,this paper systematically analyzes the differences of subjective and objective risk attitude and the impact of subjective and objective risk attitude on the allocation of family insurance.First of all,this paper constructs the ordered probit model,ordered logit model and Tobit model in different research background,then analyzes the influencing factors of subjective and objective risk attitude and the differences between them.After that,this paper builds a probit model to deeply study the impact of subjective and objective risk attitudes on commercial insurance and social insurance allocation.The research content of this paper will have important reference value for guiding families to establish correct risk concept and carry out scientific and reasonable allocation of insurance assets.

关 键 词：风险态度 家庭保险配置 定序模型 TOBIT模型 

分 类 号：F840.6[经济管理—保险]