“顺其自然”还是“防患未然”:劳动力流动对农村家庭商业保险参与的影响  

"Let It Be"or"Nip It in the Bud":The Impact of Labor Migration on Rural Household Participation in Commercial Insurance

作　　者：刘泰星 尹志超[2] LIU Taixing;YIN Zhichao

机构地区：[1]北京工商大学商学院 [2]首都经济贸易大学金融学院

出　　处：《中国农村经济》2024年第9期80-100,共21页Chinese Rural Economy

基　　金：国家社会科学基金重大项目“中国家庭经济风险测度、成因及外溢性研究”(编号:21&ZD087)的资助。

摘　　要：中国农村家庭经济风险复杂多变,财务脆弱问题明显,农村家庭具有强烈的风险防范动机。本文利用2015年、2017年和2021年中国家庭金融调查(CHFS)数据,实证分析了农村劳动力流动对家庭商业保险参与的影响。研究结果表明:劳动力流动能够显著促进农村家庭的商业保险参与;分类型看,劳动力流动可以显著促进农村家庭商业人寿保险和商业健康保险的参与程度,并显著提高农村家庭各类商业保险的参保金额;机制分析表明,劳动力流动带来的收入增长与财富效应,满足了农村家庭为应对健康风险、养老风险、收入风险等不确定性而购买保险的资金需求,从而促进其商业保险参与;进一步研究发现,亲缘关系网络的强化和公共服务质量的改善能够有效弱化劳动力流动对农村家庭商业保险参与的影响。本文研究为全面认识农村家庭商业保险参与的影响因素提供了新视角,对更好防范和化解农村家庭风险、提高农村家庭财务韧性提供了经验证据和政策启示。Rural households in China face economic risks that are complex and varied with significant financial vulnerability issues,and rural families have strong motivation to prevent risks.This paper uses data from the China Household Finance Survey(CHFS)for 2015,2017,and 2021 to empirically analyze the impact of rural labor migration on household participation in commercial insurance.The findings indicate that labor migration significantly promotes rural households'participation in commercial insurance.Specifically,labor migration notably enhances the extent of participation in commercial life insurance and commercial health insurance,as well as significantly increases the amount of coverage in various types of commercial insurance for rural households.Mechanism analysis reveals that the income growth and wealth effects resulting from labor migration meet the financial needs of rural households for purchasing insurance to address uncertainties such as health risks,pension risks,and income risks,thereby promoting their participation in commercial insurance.Further investigation finds that the strengthening of kinship networks and the improvement of public service quality effectively mitigates the impact of labor migration on rural households'participation in commercial insurance.This study provides a new perspective for a comprehensive understanding of the factors influencing rural household participation in commercial insurance and offers empirical evidence and policy implications for better preventing and resolving rural household risks and improving their financial resilience.

关 键 词：劳动力流动 商业保险参与 风险防范动机 亲缘关系网络 公共服务质量 

分 类 号：F842.0[经济管理—保险]