互联网使用及其资本化对商业养老保险购买的影响  

How Does the Use of the Internet and Its"Capitalization"Affect the Purchase of Commercial Pension Insurance?

作　　者：陈旭东[1] CHEN Xudong(School of Culture,Tourism and Public Administration,Fujian Normal University,Fuzhou,Fujian 350117)

机构地区：[1]福建师范大学文化旅游与公共管理学院,福建福州350117

出　　处：《上海立信会计金融学院学报》2024年第2期15-32,共18页Journal of Shanghai Lixin University of Accounting and Finance

摘　　要：促进商业养老保险购买,提升第三支柱覆盖率,打造“哑铃型”养老保险三支柱体系,是现阶段我国保险业高质量发展的重要路径。文章基于2021年中国综合社会调查(CGSS)的截面数据,研究互联网使用与商业养老保险购买之间的关系,以及“互联网资本化”对两者关系的影响作用。研究发现:个人使用互联网不仅能直接促进商业养老保险的购买,而且通过社交信息、市场信息与知识信息的异化增值,促进结构型社会资本、经济资本与文化资本的积累,间接提高其购买商业养老保险的可能性。同时,互联网使用对商业养老保险购买的影响对青年群体和城镇居民具有更强的促进效应。Promoting the purchase of commercial endowment insurance,improving the coverage rate of the third pillar and building the dumbbell type endowment insurance three-pillar system are important paths for the high-quality development of our country's insurance industry at this stage.Based on the sectional data of the 2021 China General Social Survey(CGSS),this paper studies the relationship between Internet usage and commercial pension insurance purchase,and explores the impact of"Internet capitalization"on this relationship.It is found that individuals’usage of the Internet can not only directly promote their purchase of commercial pension insurance,but also indirectly improves the possibility for them to purchase commercial pension insurance through the alienation and appreciation of social information,market information and knowledge information,as well as by promoting the accumulation of structural social capital,economic capital and cultural capital.At the same time,the influence of Internet usage on the purchase of commercial pension insurance has a stronger promoting effect on the youth group and urban residents.

关 键 词：商业养老保险 互联网使用 经济资本 社会资本 文化资本 

分 类 号：F842.67[经济管理—保险] F49