老龄化对家庭商业保险参与影响的实证研究  

An Empirical Study on the Impact of Population Aging on Family Commercial Insurance Participation

作　　者：刘阳[1] 田秀雅 LIU Yang;TIAN Xiu-ya(Business School,Nanjing Normal University,Nanjing,Jiangsu 210023)

机构地区：[1]南京师范大学商学院,江苏南京210023

出　　处：《商学研究》2022年第5期47-58,共12页Commercial Science Research

摘　　要：本文基于2013年、2015年、2017年和2019年四期中国家庭金融调查面板数据,采用定性选择模型探究老龄化对家庭商业保险参与广度和深度的影响。研究发现:老龄化对家庭商业保险参与的广度和深度都有显著负向影响,且该影响在城镇家庭中更加明显;户主教育水平、家庭人口规模、家庭总收入、总资产和总负债对家庭商业保险参与起到一定的促进效果。进一步分析影响机制发现,金融素养和户主风险态度是老龄化对家庭商业保险参与产生影响的重要渠道。Based on panel data of China Household Finance Survey in 2013,2015,2017 and 2019,this paper uses a qualitative selection model to explore the impact of population aging on the breadth and depth of family commercial insurance participation.The results show that population aging has a significant negative impact on the breadth and depth of family commercial insurance participation,and this impact is more obvious in urban families.The education level of the household head,the size of the family,the total income of the family,and the total assets as well as the liabilities of the family play a certain role in promoting family commercial insurance participation.Further analysis of the influence mechanism shows that financial literacy and risk attitude of household head are important channels for population aging to influence family commercial insurance participation.

关 键 词：老龄化 商业保险 跨期消费决策模型 

分 类 号：F840.6[经济管理—保险] F842.6