信贷约束对农户家庭商业保险购买的影响研究  

Research on the Impact of Credit Constraints on Farm Household Commercial Insurance Purchases

作　　者：林彩 LIN Cai(School of Economics and Management,Zhejiang A&F University Hangzhou,Zhejiang 311300)

机构地区：[1]浙江农林大学经济管理学院,浙江杭州311300

出　　处：《中国商论》2022年第13期100-102,共3页China Journal of Commerce

摘　　要：为进一步探究信贷约束与农户家庭商业保险购买的关系,本文对2017年中国家庭金融调查(CHFS)数据库进行指标选取,将农户受到的信贷约束划分为正规信贷约束和双重信贷约束两类,将农户家庭商业保险购买划分为商业人寿保险及商业健康保险购买,通过构建Probit回归模型进行实证分析。结果发现,正规信贷约束、双重信贷约束与农户家庭是否购买商业保险、商业人寿保险显著正相关,与是否购买商业健康保险不相关。To further investigate the relationship between credit constraints and farmers’household commercial insurance purchases,this article selects indicators from the 2017 China Household Finance Survey(CHFS)database,and classifi es farmers’credit constraints into two categories:formal credit constraints and double credit constraints,and classifies farmers’household commercial insurance purchases into commercial life insurance and commercial health insurance purchases,and conducts an empirical analysis by constructing a Probit regression model.The results show that the formal credit constraints,the double credit constraints,the dual credit constraint,and commercial life insurance are the two categories.The results show that formal credit constraints and double credit constraints are significantly positively correlated with whether farmers purchase commercial insurance and commercial life insurance,but are not related to whether they purchase commercial health insurance.

关 键 词：商业保险购买 商业人寿保险 商业健康保险 正规信贷约束 双重信贷约束 

分 类 号：F832.4[经济管理—金融学]