社会互动影响家庭商业保险配置的传导机制及效应

The Conduction Mechanism and Effect of Social Interaction on Family Commercial Insurance Allocation

商业保险兼具风险管控与财富管理双重功能,是家庭安稳和家庭幸福的重大选项。基于社会互动视角,根据2019年中国家庭金融调查(CHFS)数据,实证探讨社会互动影响家庭商业保险配置的传导机制及效应。研究发现:总体看,社会互动与家庭商业保险配置呈现显著正相关关系,在考虑内生性问题、变换度量指标以及变换回归样本之后,结论依然稳健。分样本看,社会互动仅对处于一线(准一线)城市、家庭成员受教育程度较高(受教育时间不小于15年)以及位于东部沿海区域家庭的商业保险参与具有显著正效应。金融素养在社会互动促进家庭商业保险参与过程中起到了显著的中介作用。具体地,内生式社会互动显著提升了家庭的金融知识水平,情景式社会互动产生了良好的示范效应,二者分别提升了居民对于商业保险的信息知晓度与信任度,从而推动家庭参与商业保险,金融信息传递与金融产品信任是社会互动影响家庭商业保险参与的重要传导机制。基于此,提出如下建议:创造良好的社会互动氛围,提高社会互动质量;提升商业保险产品与家庭保险配置决策的适配性;加大基础设施投入,增强政府对社会互动的推动引领作用;完善法律法规体系,强化对社群经济的智慧监管与约束。

Commercial insurance has the dual functions of risk control and wealth management and is an important option for family stability and happiness.Based on the perspective of social interaction and according to the data of the China Household Finance Survey(CHFS)in 2019,this paper empirically explores the transmission mechanism and effect of social interaction on household commercial insurance allocation.The research finds that:overall,social interaction and family commercial insurance allocation present a significant positive correlation,and the conclusion is still robust after considering endogenous issues,changing measurement indicators,and changing regression samples.In terms of sub-samples,social interaction only has a significant positive effect on commercial insurance participation in first-tier(quasi-first-tier)cities,family members with higher education(education time not less than 15 years),and households located in the eastern coastal areas.Financial literacy plays a significant mediating role in the process of social interaction promoting household commercial insurance participation.Specifically,the endogenous social interaction has significantly improved the family's financial knowledge level,and the situational social interaction has produced a good demonstration effect.The two have respectively improved residents'information awareness and trust in commercial insurance,thereby promoting family participation in commercial insurance.Financial information transmission and financial product trust are important transmission mechanisms through which social interaction affects household commercial insurance participation.Based on this,the following suggestions are put forward:create a good social interaction atmosphere and improve the quality of social interaction;improve the adaptability of commercial insurance products and family insurance allocation decisions;increase infrastructure investment and enhance the government's role in promoting and leading social interaction;improve the system of laws and regulations and strengthen the smart supervision and restraint of the community economy.