抚育子女对家庭保险需求的影响

The Impact of Parenting on Family Insurance Demand

本文基于CHFS数据,分析了抚育未成年子女对家庭商业保险需求的影响。研究发现,有未成年子女、未成年子女数量的增加都会显著提高家庭参与商业保险的概率、增加保费支出;将商业保险细分为人寿险、健康险和其他险后,这种正向影响仍然显著;未成年子女数量对子女自身、子女父母的保险参与率和保费支出都有正向影响,这种正向影响在是否有男孩家庭、是否有学龄子女家庭间存在显著区别。

Based on the CHFS data, this paper analyzes the impact of parenting minor children on family commercial insurance demand. The study reveals that having minor children and increase in the number of minor children will significantly increase the probability of family participating in commercial insurance and increase insurance premiums;this positive effect remains significant after subdividing commercial insurance into life insurance, health insurance and other insurance;the number of minor children has a positive impact on the insurance participation and premium expenditure of children themselves and their parents;this positive effect differs significantly with whether the family has boys or school-age children.