摘要
使用CHFS（2011）调查数据，本文研究了金融知识、流动性约束对家庭商业保险需求的影响。通过Probit与Tobit模型进行实证检验，结果显示：金融知识与家庭商业保险需求之间呈正相关关系，金融知识越丰富的家庭，商业保险需求越大；流动性约束与家庭商业保险需求之间呈负相关关系，存在流动性约束的家庭会降低商业保险的消费；金融知识与流动性约束之间并不存在明显的相互作用，兼具这两种特征并不会影响其单独存在时的效应。基于以上结论，文章提出相关政策建议：从多渠道加强金融知识普及教育，改善金融服务环境，推广普惠金融并扩大覆盖面，从而提高我国家庭的商业保险需求。
The article based on the survey data of CHFS, studied the impact of financial knowledge and liquidity constraints on the household demand for commercial insurance. Through empirical analysis with Probit and Tobit model, we found that financial knowledge positively correlated with household demand for commercial insurance; liquidity constraints has a negative correlation with demand for commercial insurance~ there is no obvious interaction between financial knowledge and liquidity constraints, and the existence of these two features do not affect their separate effect. Based on the research conclusion, in order to improve the household demand for commercial insurance in our country, the article puts forward some policy recommendations, including strengthening financial knowledge education through various channels, improving the financial environment, and promoting financial service with extending coverage area.
作者
孙武军
高雅
Sun Wujun;Gao Ya
出处
《金融学季刊》
CSSCI
2018年第2期53-75,共23页
Quarterly Journal of Finance
基金
国家社会科学基金重大项目“互联网金融的发展、风险与监管研究”(14ZDA043)
中国特色社会主义经济建设协同创新中心、江苏省优势学科建设工程(PAPD)和江苏保险学会2017年度应用课题(SBX2017-4-A-01)的资助
关键词
金融知识
流动性约束
家庭商业保险需求
Financial knowledge
Liquidity constraint
Household demand for commercial insurance
