家庭禀赋对商业养老保险参与的影响——基于金融资产投资行为与大众传媒视角的实证分析  

The Impact of Family Endowment on Commercial Pension Insurance Participation:An Empirical Analysis Based on the Perspective of Financial Asset Investment Behavior and Mass Media

作　　者：刘永君 杨海司 LIU Yongjun;YANG Haisi(Finance School,Lanzhou University of Finance and Economics,Lanzhou Gansu 730020,China;China Banking and Insurance Regulatory Commission Ordos Office,Ordos Neimenggu 017000,China)

机构地区：[1]兰州财经大学金融学院,甘肃兰州730020 [2]中国银行保险监督管理委员会鄂尔多斯监管分局,内蒙古鄂尔多斯017000

出　　处：《重庆文理学院学报（社会科学版）》2024年第1期61-73,共13页Journal of Chongqing University of Arts and Sciences（Social Sciences Edition)

基　　金：国家社会科学基金一般项目“‘健康中国’战略视域下农村居家医养结合养老服务研究”(19BSH179)。

摘　　要：基于中国综合社会调查2018年数据,采用Probit模型和IV-Probit模型分析家庭禀赋对居民参与商业养老保险的影响。并运用中介模型探讨家庭禀赋通过金融资产投资行为和大众传媒对居民参与商业养老保险的影响机制,从地区、城乡、年龄三个角度进行异质性分析。研究发现:家庭禀赋越强,居民参与商业养老保险的能力越强,且家庭经济资本对居民参与商业养老保险的边际贡献大于家庭人力资本与家庭社会资本;金融资产投资行为和大众传媒在家庭禀赋与居民参与商业养老保险之间发挥了部分中介作用,家庭禀赋对居民参与商业养老保险的影响存在地区、城乡、年龄差异。因此,为促进居民参与商业养老保险的积极性,应着力提高家庭收入水平,完善商业养老保险税收优惠政策;充分发挥社会资本力量,撬动居民参与商业养老保险;合理配置教育资源,实施生育支持政策;推动金融知识普及,优化居民金融资产投资行为;更迭大众传媒方式,丰富居民信息渠道。Based on the data of the China General Social Survey 2018,the Probit model and IV-Probit model were used to analyze the impact of household endowment on residents’participation in commercial pension insurance.The mediation model was also used to explore the mechanism of the influence of household endowment on residents’participation in commercial pension insurance through the investment behavior of financial assets and mass media,and a heterogeneity analysis is conducted from three perspectives:regional,urban-rural,and age.The study finds that the stronger the household endowment,the stronger the residents’ability to participate in commercial pension insurance,and the marginal contribution of household economic capital to residents’participation in commercial pension insurance is greater than that of household human capital and household social capital;financial asset investment behavior and mass media play a part in mediating the relationship between household endowment and residents'participation in commercial pension insurance.There are regional,urban-rural,and age differences in the effects of household endowment on residents’participation in commercial pension insurance.Therefore,in order to promote residents’enthusiasm to participate in commercial pension insurance,efforts should be made to improve the level of household income and improve the tax-advantaged policy of commercial pension insurance;the power of social capital to leverage residents’participation in commercial pension insurance should be given full play;the educational resources should be reasonably allocated and the maternity support policy should be implemented;the popularization of financial knowledge should be promoted and the residents’financial asset investment behavior should be optimized;and the mass media methods should be updated to enrich residents’information channels.

关 键 词：家庭禀赋 商业养老保险 金融资产投资行为 大众传媒 

分 类 号：F840.67[经济管理—保险]