数字普惠金融对西北地区家庭商业保险需求影响研究——基于CHFS与PKU-DFIIC的实证分析

Research on the impact of digital financial inclusion on household commercial insurance demand in northwest China——An empirical analysis based on CHFS and PKU-DFIIC

文章采用2019年中国家庭金融调查(CHFS)问卷数据和2018、2019年北京大学数字普惠金融指数(PKU-DFIIC),实证检验了数字普惠金融对西北地区家庭商业保险需求的影响。研究发现,数字普惠金融的发展可以促进西北地区家庭商业保险需求,进一步进行分指标回归发现,覆盖广度指数和保险指数分别在1%、10%的水平上显著促进西北地区家庭商业保险需求,在控制内生性和进行稳健性检验后结论依然成立。

This paper uses the 2019 China Household Finance Survey(CHFS)questionnaire data and the 2018 and 2019 Peking University Digital Finance Inclusive Index(PKU-DFIIC)to empirically examine the impact of digital financial inclusion on the demand for household commercial insurance in Northwest China.It is found that the development of digital inclusive finance can promote the demand for household commercial insurance in Northwest China,and further sub-index regression shows that the coverage breadth index and insurance index significantly promote the demand for household commercial insurance in Northwest China at the level of 1%and 10%,respectively,and the conclusion is still valid after controlling endogenousness and conducting robustness tests.