金融素养对农村家庭商业保险参与的影响研究——基于CHFS数据的实证  

On the Influence of Financial Literacy on Rural Family Commercial Insurance Participation——Empirical Evidence Based on CHFS data

作　　者：邢大伟[1] 李晶 吴玮 Xing Dawei;Li Jing;Wu Wei(School of Business,YangZhou University,YangZhou 225125,Jiangsu,China)

机构地区：[1]扬州大学商学院,江苏扬州225125

出　　处：《新疆农垦经济》2024年第2期63-76,共14页Xinjiang State Farms Economy

基　　金：扬州大学商学院研究生创新项目(项目编号:SXYYJSKC202307)。

摘　　要：金融素养是个体具有的一种金融能力,对金融决策行为产生重要影响。文章基于中国家庭金融调查(CHFS2019)数据,利用Probit模型和Tobit模型,实证分析金融素养对农村家庭商业保险参与行为和参与深度的影响。研究表明:金融素养会显著促进农村家庭商业保险参与行为,对农村家庭商业保险参与深度有显著促进作用,对农村高收入家庭商业保险参与促进作用更加明显;家庭收入和风险态度在金融素养对农村家庭商业保险参与影响中存在中介效应;家庭总资产、户主受教育程度和年龄会显著提升农村家庭商业保险参与。因此,文章提出加强农村金融知识普及教育,提升农村居民金融素养和金融能力;积极发展农村商业保险,提高抵御风险能力;全面推进乡村振兴,拓宽农民增收致富渠道等建议。Financial literacy is a kind of financial ability possessed by individuals,which has an important impact on financial decision-making behavior.Based on the data of China Household Finance Survey(CHFS2019),this paper uses Probit model and Tobit model to empirically analyze the influence of financial literacy on rural household commercial insurance participation behavior and insurance penetration.The results show that financial literacy can significantly promote the participation behavior of rural families in commercial insurance,significantly accelerate the insurance penetration of rural families,and more obviously promote the participation of rural high-income families in commercial insurance.There are mediating effects of family income and risk attitude on the influence of financial literacy on rural family commercial insurance participation.Total household assets,education level and age of the head of household will significantly increase the participation of rural families in commercial insurance.Therefore,the paper proposes to strengthen the popularization of rural financial knowledge education,improve rural residents’financial literacy and financial ability;actively develop rural commercial insurance to improve the ability to resist risks;comprehensively promote rural revitalization,and expand the channels for farmers to increase their income.

关 键 词：金融素养 农村商业保险 CHFS 中介效应 

分 类 号：F832[经济管理—金融学] F842.6F323.6