方言多样性对家庭商业保险参与的影响  

The Impact of Dialect Diversity on Household Commercial Insurance Participation

作　　者：张诚 翁希演 胡少东[1] Cheng Zhang;Xiyan Weng;Shaodong Hu(School of Business,Shantou University)

机构地区：[1]汕头大学商学院

出　　处：《经济学报》2024年第2期226-259,共34页China Journal of Economics

基　　金：国家自然科学基金项目“共同富裕背景下家庭负债行为及对经济不平等的影响研究”(项目编号:72203136);广东高校创新团队项目“潮汕文化与区域经济发展研究”(项目编号:2020WCXTD022);汕头大学科研启动经费项目“中国家庭负债行为研究”(项目编号:STF21003)的资助。

摘　　要：尽管我国保险市场规模已跻身世界前列,但家庭商业保险参与率仍然处于较低水平。本文试图从方言多样性视角,对家庭商业保险市场的低参与率作出解释。研究发现,第一,方言多样性通过降低家庭的社会信任感,增强家庭内层社会网络的非正式保险强度,削弱外层社会网络的知识溢出效应,进而降低家庭商业保险参与。第二,本文讨论了方言分化指数和方言片个数可能存在的测量误差及模型中的遗漏地理类变量问题,并使用河流长度作为工具变量控制内生性。第三,本文进一步验证了数字普惠金融缓解方言多样性抑制家庭参与商业保险的功能,为解决方言多样性“文化效应”的影响提供可能的途径。第四,本文发现,在城镇家庭、低金融知识和低受教育年限家庭中,方言多样性的影响更显著。本文基于语言经济学视角,讨论了家庭商业保险参与率低的原因和可能的解决途径,能够为政府制定家庭通过商业保险进行风险管理,维护社会稳定的相关政策提供参考。Although the size of China's insurance market has ranked among the top in the world,the participation of family commercial insurance is still at a low level.This paper attempts to explain the low participation rate of the commercial insurance market from the perspective of dialect diversity.The study found that,first,dialect diversity reduces family commercial insurance participation by reducing the family's sense of social trust,enhancing the informal insurance of the social network intensity within the family,weakening the knowledge spillover effect of the outer social network.Second,this paper discusses the possible measurement errors of dialect differentiation index and dialect fragments and the problem of missing geographic variables in the model,and uses river length as a instrument variable to control endogenousness.Third,this paper further validates the function of digital inclusive finance in mitigating dialect diversity to inhibit household participation in commercial insurance,and provides a possible way to address the impact of the“cultural effect”of dialect diversity.Fourth,this paper finds that the influence of dialect diversity is more pronounced in urban households,households with low financial literacy and low years of schooling.Based on the perspective of linguistic economics,this paper discusses the reasons for the low participation rate of household commercial insurance and possible solutions,which can provide a reference for the government to formulate relevant policies to promote family risk management through commercial insurance and maintain social stability.

关 键 词：方言多样性 家庭商业保险参与 社会信任 社会网络 

分 类 号：H17[语言文字—汉语] F842.6[经济管理—保险]