保险数字化转型与家庭经济韧性——基于新闻文本的实证研究  

Insurance Digital Transformation and Household Economic Resilience:An Empirical Study Based on News Texts

作　　者：杨甜婕 戚塍育 谢巧燕 Yang Tianjie;Qi Chengyu;Xie Qiaoyan

机构地区：[1]河南财经政法大学金融学院

出　　处：《宏观经济研究》2025年第1期49-71,122,共24页Macroeconomics

基　　金：国家社科后期资助项目“信用素养培育防范化解企业风险的路径研究”(项目编号:23FJYB032)的资助。

摘　　要：本文运用Python爬取超过100万条新闻文本,构建了地级市层面的保险数字化转型指数,并基于2013-2019年中国家庭金融调查(CHFS)微观面板数据,探析保险数字化转型对家庭经济韧性的影响。研究发现,保险数字化转型显著提升了家庭经济韧性。机制分析表明保险数字化转型通过提高保险关注度、缓解家庭融资约束来提升家庭经济韧性。异质性分析表明,保险数字化转型对中老年家庭、男性户主家庭、高学历家庭、城镇家庭、西部地区及一线城市/新一线城市的家庭经济韧性提升效果更为显著。本文建议:从覆盖广度和使用深度两方面持续推进保险数字化转型,平衡不同地区保险数字化转型发展进度,进而提高保险数字化转型服务家庭经济韧性的整体效应。In this article,we use Python to crawl more than 1 million news texts,construct an insurance digital transformation index at the prefecture-level city level,and explore the impact of insurance digital transformation on household economic resilience based on the 2013-2019 China Household Finance Survey(CHFS)micro-panel data.It is found that insurance digital transformation significantly enhances household economic resilience.Mechanistic analysis suggests that insurance digital transformation enhances household economic resilience by increasing insurance awareness and allevia-ting household financing constraints.Heterogeneity analysis shows that insurance digital transformation has a more significant effect on enhancing household economic resilience for middle-aged and elderly households,male-headed households,highly edu-cated households,urban households,western regions,and first-tier/new first-tier cities.This article suggests that insurance digital transformation should be continuously promoted in terms of coverage breadth and usage depth,and that the development progress of insurance digital transformation in dfferent regions should be balanced,to improve the overall effect of insurance digital transformation in serving household economic resilience.

关 键 词：保险数字化转型 家庭经济韧 性 融资约束 保险关注度 

分 类 号：F842[经济管理—保险] F49