教育水平、媒体使用与商业保险参保行为——基于CGSS2015的调查数据

Education Level,Media Use and Commercial Insurance Participation Behavior——Based on Survey Data from CGSS2015

基于中国综合社会调查(CGSS)2015年的调查数据,本文研究了教育水平、媒体使用对我国城乡居民商业医疗和养老保险参保行为的影响。利用Logit模型回归发现,教育水平显著促进了我国城乡居民商业医疗和养老保险的参保行为;媒体使用中互联网对商业医疗和养老保险的参保行为影响最大;同时教育水平与媒体使用对商业保险参保行为的促进效应是相互加强的,但对商业养老保险的参保行为影响中城市样本并不体现交互影响。本文对健康中国战略、积极老龄化等背景下的商业保险市场的健康发展提供了新的政策视角。

Based on the 2015 survey data of China general social survey(CGSS),this paper studies the influence of education level and media use on the participation of urban and rural residents in commercial medical and pension insurance.Using Logit model regression,it was found that the education level significantly promoted the participation of urban and rural residents in commercial medical insurance and endowment insurance;Among the media use,the Internet has the greatest influence on the participation of commercial medical and pension insurance;At the same time,the promotion effect of education level and media use on commercial insurance participation is mutually reinforcing.But what is special is that the city sample does not reflect the interactive influence on the participation behavior of commercial endowment insurance.This paper provides a new policy perspective on the healthy development of commercial insurance market in the context of healthy China strategy and active aging.