农村成长经历与家庭商业保险购买行为  

Rural Growth Experience and Household Commercial Insurance Purchase Behavior

作　　者：方黎明[1] 陶海鑫 卢佳莹 FANG Li-ming;TAO Hai-xin;LU Jia-ying

机构地区：[1]对外经济贸易大学保险学院,北京100029

出　　处：《金融论坛》2024年第3期35-46,共12页Finance Forum

基　　金：国家社会科学基金一般项目“乡村振兴和健康中国战略背景下的环境公正与健康公平研究”(21BSH149);教育部人文社会科学研究一般项目“乡村振兴背景下的环境公正与健康公平研究”(20YJA840004)。

摘　　要：本文利用中国家庭追踪调查(CFPS)数据,研究农村成长经历对家庭商业保险购买行为的影响。结果表明,农村成长经历显著增加了城市家庭的商业保险购买行为,该效应在低社会经济地位群体中更强;机制分析揭示,农村成长经历通过提高城市居民的风险规避意识、塑造保守的低开放性人格、削弱内核紧密关系社会网络,从而增加其家庭商业保险购买行为。This paper uses data from the China Family Panel Studies(CFPS)to study the impact of rural growth experi-ences on household commercial insurance purchasing behavior.The results indicate that rural growth experiences signifi-cantly increase the commercial insurance purchasing behavior of urban households,and this effect is more pronounced a-mong low socio-economic status groups.Mechanism analysis reveals that rural growth experiences increase the risk aver-sion awareness of urban residents,shape their conservative and low openness personality,and weaken closely related social networks,thereby increasing their household commercial insurance purchasing behavior.

关 键 词：农村成长经历 商业保险购买行为 生命历程 开放性人格 社会网络 

分 类 号：G11[文化科学] G22Z10