参与商业保险能提高家庭主观幸福感吗:理论机制与实证检验  

Does Participation in Commercial Insurance Improve Subjective Family Well-being:A Theoretical Mechanism and Empirical Test

作　　者：胡宏兵[1] 王乔 赵春旭 Hu Hongbing;Wang Qiao;Zhao Chunxu

机构地区：[1]中南财经政法大学金融学院

出　　处：《宏观经济研究》2022年第10期66-87,160,共23页Macroeconomics

摘　　要：保险作为现代经济的重要产业和风险管理的重要手段,在构建现代保障体系、增进人民幸福方面被寄予厚望。本文构建理论模型,推演家庭参与商业保险对其主观幸福感的影响机制,并基于2017年中国家庭金融调查(CHFS)数据进行实证分析。研究发现,商业保险参与能够显著提升家庭的主观幸福感,这种幸福提升作用对农村地区、西部地区、低收入或非小型化家庭更加明显。进一步分析发现,商业保险参与能够有效缓解负债对主观幸福感的负向影响,能进一步提升已婚家庭的幸福感,但不能有效缓解未处于婚姻状态(未婚、离异、丧偶等)对主观幸福感的负向影响。为更好地发挥商业保险服务和改善民生的作用,应加强对商业保险的政策扶持和引导,充分发挥商业保险的“幸福提升”功能。As an important industry of modern economy and an important means of risk management,insurance is highly expected to build a modern protection system and enhance people’s happiness.This paper constructs a theoretical model to deduce the mechanism of the impact of families’participation in commercial insurance on their subjective well-being,and conducts an empirical analysis based on 2017 China Household Finance Survey(CHFS)data.It is found that commercial insurance participation can significantly enhance families’subjective well-being,and this well-being-enhancing effect is more pronounced for rural areas,western regions,low-income or non-smaller families.Further analysis find that commercial insurance participation can effectively mitigate the negative effect of indebtedness on subjective well-being,which can further enhance the happiness of married families,but cannot effectively mitigate the negative effect of not being in a marriage status(unmarried,divorced,widowed,etc.)on subjective well-being.In order to better play the role of commercial insurance in serving and improving people’s livelihood,we should strengthen the policy support and guidance for commercial insurance and give full play to the‘happiness enhancement’function of commercial insurance.

关 键 词：商业保险 主观幸福感 人口老龄化 家庭小型化 

分 类 号：D669.1[政治法律—政治学] F842.6[政治法律—中外政治制度] C912.6[经济管理—保险]