家庭寿险产品投保需求的实证研究  

作　　者：高诗昕 

机构地区：[1]对外经济贸易大学保险学院,北京100029

出　　处：《保险职业学院学报》2022年第6期55-64,共10页Journal of Insurance Professional College

摘　　要：研究影响保险产品投保需求的各种约束条件,投保应当同步考虑投保行为和其他金融资产投资行为之间存在的相互作用关系。本文以这种相互作用关系的存在为前提,利用中国家庭金融调查(CHFS)数据建立联立方程组模型,并运用3SLS的分析方法对影响家庭寿险产品投保需求的因素进行了研究,实证结果证实了家庭寿险产品投保行为与其他金融资产投资行为之间存在明显的相互促进作用,并得出这一相互作用存在前提下各种约束因素对家庭寿险产品投保行为的影响效果,由此得出了一系列具有探索意义的结论和启示。When studying the various constraints that affect people’s insurance demand for insurance products, we should consider the interaction between insuring behaviors and other financial asset investment behavior at the same time. Based on the existence of this interaction relationship, this paper uses the data of China Household Finance Survey(CHFS) to establish a simultaneous equation group model, and uses the analysis method of 3SLS to deeply study the factors affecting the insuring demand of family life insurance products. The empirical results confirm that there is an obvious mutual promotion between the insuring behavior of family life insurance products and the investment behavior of other financial assets. It also draws a series of important conclusions and enlightenment from the influence of various constraints on the insuring behavior of family life insurance products under the premise of this interaction.

关 键 词：投保需求 寿险产品 联立方程组模型 3SLS CHFS 

分 类 号：F840.622[经济管理—保险]