农村居民外出打工行为会促进家庭商业保险购买吗?——基于CFPS数据的实证研究

Will Rural Residents Working Outside Their Hometown Promote the Purchase of Commercial Family Insurance?——An Empirical Study Based on CFPS Data

随着我国农村居民外出打工现象逐渐增多,外出打工人员面临的各类风险也日渐增加。在社会保险保障体制运行效果不理想的情况下,外出打工者的家庭是否会通过商业保险来保障其风险呢?首先,研究采用CFPS2014年数据,实证分析了农村家庭成员外出打工行为对其家庭商业保险购买的影响;其次,采用家庭土地资产作为工具变量对基准回归的内生性问题进行分析,且通过变量的替换证实基准回归具有稳健性;最后,通过交互项的回归检验认为造成该现象的原因是农村地区整体受教育程度不足与社会交往效率较低。研究有助于认识农村居民商业保险参与不足的原因,对保险公司推广产品和政府制定政策具有一定的启示作用。

With the increase in the number of rural migrant workers working outside their hometown,the risks faced by migrant workers are also mounting.In the case that the social security system is not working well,will the migrant workers cover their risks through commercial insurance?First,this paper empirically analyze the influence of behavior of rural family members working outside their hometown on the purchase of commercial insurance by using CFPS2014 data.Secondly,family land assets were used as the instrumental variable to analyze the endogenous problems of the baseline regression,and the replacement of variables confirmed the robustness of the benchmark regression.Finally,through the regression test of interaction terms,it is believed that the cause of this phenomenon is that the overall insufficient education in rural areas and the inefficient social interaction.The research helps to understand the reasons why the rural residents do not buy much commercial insurance,and has certain enlightenment for insurance companies to promote their products as well as for government to make policies.