商业保险对居民刚性消费的影响——基于社会民生视角的实证研究

The Effects of Commercial Insurance on Residents' Non-discretionary Consumption——An empirical study based on social people's livelihood perspective

社会民生不等于政府民生,需要各方的责任分配。民生的最终目的是消费,而居民在教育、医疗和住房等方面刚性消费的快速增长是居民消费不确定的重要因素之一。本文通过考察商业保险与民生财政构成的社会民生系统对居民刚性消费的影响,诠释商业保险在社会民生中的作用。本文采用差分GMM和系统GMM估计的动态面板模型得出:长期商业保险的发展对社会民生保障起到了有利的补充作用。因此,政府应该明确商业保险在社会民生中的地位和作用、优化商业保险供给和合理划分商业保险与社会保障承担范畴。

Social people＇s livelihood is not equal to the government people＇s livelihood, and needs the distribution of responsibilities among all parties. Consumption is the ultimate goal of the people＇s livelihood. However, the rapid growth of residents＇ non-discretionary consumption in such aspects as education, heahhcare and housing has been one of the important factors of consumption uncertainty. This paper firstly reviewed the effects of the social people＇ s livelihood system formed by commercial insurance and government peopleg livelihood finance on residents＇ non- discretionary consumption to interpret the role of commercial insurance in social livelihood of the people. Then, we used the difference GMM and system GMM dynamic panel model to study the positive supplementing effects of the long-term development of commercial insurance on social livelihood security. We argued that the government should clarify the position and role of commercial insurance in social people＇s livelihood, optimize commercial insurance supply, and properly divide the scope of service of commercial insurance and the social security system.