家庭风险金融资产配置与商业保险参与——基于CHFS2017的实证研究

Family Risk Financial Assets Allocation and Commercial Insurance Participation——An Empirical Research Based on Data of CHFS2017

本文基于2017年中国家庭金融调查(CHFS)数据,使用Probit模型、Ols模型、Sobel检验法以及KHB分解法,分析家庭风险金融资产配置对家庭商业保险参与的影响。结果表明:家庭风险金融资产配置通过财富效应与风险效应提高家庭参与商业保险的可能性,并提高家庭商业保险保费支出以及家庭商业保险总保费支出占总消费支出的比重;信息渠道在家庭风险金融资产配置与家庭商业保险参与间起到中介作用;家庭风险金融资产配置对家庭商业保险参与的影响在非农业户口家庭、中东部地区家庭、资产水平较高的家庭中更为显著。最后提出普及大众金融知识教育、推动相对落后区域金融发展、加强信息渠道建设等建议。

Based on the 2017 China Household Finance Survey(CHFS)data,the paper uses the Probit model,the Ols model,the Sobel’s testing method and the KHB decomposition method to analyze the impact of household risk financial assets allocation on household commercial insurance participation.The results show that:household risk financial assets allocation increases the possibility of households participating in commercial insurance through wealth and risk effects,and increases household commercial insurance premium expenditures and the proportion of household premium expenditures in total consumption expenditure;information channels play an intermediary role between household risk financial assets allocation and household commercial insurance participation;the impact of household risk financial assets allocation on household commercial insurance participation is more significant in non-agricultural households,households in the central and eastern regions of China,and households with higher total assets.Finally,some suggestions are put forward,such as popularizing public financial knowledge,promoting financial development in relatively less developed regions,and strengthening the construction of information channels.