金融素养对家庭保险决策的影响研究  

Financial Literacy and Household Commercial Insurance

作　　者：王亚柯[1] 刘丽洁 Wang Yake;Liu Lijie(China School of Banking and Finance,University of International Business and Economics,Beijing 100029)

机构地区：[1]对外经济贸易大学中国金融学院,北京100029

出　　处：《华中师范大学学报(人文社会科学版)》2025年第2期70-82,共13页Journal of Central China Normal University:Humanities and Social Sciences

基　　金：北京市习近平新时代中国特色社会主义思想研究中心重点项目“完善社会保障再分配促进共同富裕研究”(22LLYJB035)。

摘　　要：本文基于中国家庭金融调查(CHFS)数据,考察了金融素养对我国居民家庭商业保险决策的影响。研究认为,居民金融素养的提升显著提高了家庭商业保险参与的概率和程度;与保障型保险相比,金融素养对投资型保险参与的概率和程度的促进作用更大。影响机制方面,金融素养会通过增强居民的金融信任和风险偏好,进而促进家庭商业保险的参与。异质性分析发现,相较于年轻和年老、低财富及农村家庭,金融素养对中年、高财富及城镇家庭商业保险参与的概率和程度的促进作用更大。本研究对提升居民金融素养与家庭商业保险决策具有参考意义。Based on the China Household Finance Survey(CHFS)data,this paper comprehensively investigates the influence of financial literacy on the commercial insurance decision-making of Chinese households.The research results demonstrate that financial literacy has significantly promoted both the probability and degree of household commercial insurance participation.Compared with protection-oriented insurance,financial literacy has a greater promoting effect on the probability and degree of participation in investment insurance.In terms of the influencing mechanism,financial literacy will promote household commercial insurance participation by enhancing residents financial trust and risk preference.Heterogeneity analysis shows that financial literacy has a stronger effect on the probability and degree of households commercial insurance participation among middle-aged,high-wealth,and urban households than among young and old,low-wealth,and rural households.This research has reference significance for improving residents financial literacy and household commercial insurance decision-making.

关 键 词：金融素养 商业保险 投资型保险 保障型保险 

分 类 号：F83[经济管理—金融学]