互联网金融对家庭商业保险参保的影响研究--基于CHFS的实证分析  

Research into the Influence of Internet Finance on Household Commercial Insurance Participation:An Empirical Analysis Based on CHFS

作　　者：曾玲玲[1] 邢思远 ZENG Ling-ling;XING Si-yuan(School of Economics,Wuhan University of Technology,Wuhan430070,Hubei,China)

机构地区：[1]武汉理工大学经济学院,武汉430070

出　　处：《武汉理工大学学报（社会科学版）》2021年第6期125-134,共10页Journal of Wuhan University of Technology:Social Sciences Edition

摘　　要：依据2017年中国家庭金融调查数据,使用Probit与Tobit两种模型实证研究了互联网金融对家庭商业保险参保的影响。研究发现:互联网金融对家庭商业保险的参保可能性与深度均具有显著的正向影响,即接触到互联网金融的家庭更倾向于购买商业保险,相应的保费支出也更多。在运用工具变量法修正了内生性后,这种影响依然显著。在异质性分析中发现,受教育水平较高、收入较高以及中部地区的家庭更容易受到互联网金融的影响。同时,本研究也验证了金融知识影响的渠道,可为我国商业保险以及互联网金融的发展提供一定的参考。Based on the 2017 China Household Finance Survey data,uses two models,Probit and Tobit,to empirically study the impact of Internet finance on household commercial insurance participation.The study found that the participation of household Internet finance has a significant positive impact on the possibility and extent of commercial insurance,that is,households participating in Internet fi-nance are more inclined to purchase commercial insurance,and the corresponding premiums are also greater.After the instrumental variable method was used to modify the endogeneity,this effect was still significant.At the same time,this article verifies the influence channels of financial knowledge,providing a new perspective for the development of China’s commercial insurance.

关 键 词：互联网金融 商业保险 家庭金融 CHFS 

分 类 号：F830[经济管理—金融学]