人口老龄化与家庭商业保险参与——基于CHFS数据的实证分析

Population Aging and Household Commercial Insurance Participation:An Empirical Test Based on CHFS Data

近年来,我国人口老龄化不断加剧,仅靠社会保障体系难以有效应对养老、医疗等人口老龄化带来的问题,商业保险因此成为有力的补充。基于2019年中国家庭金融调查数据,运用Probit模型从家庭层面实证分析了人口老龄化对居民家庭商业保险参与的影响。结果表明:人口老龄化显著降低了家庭商业保险参与;人口老龄化通过降低家庭可用资金和家庭健康水平来降低家庭商业保险参与;人口老龄化对家庭商业保险参与的抑制作用在低金融素养、农村地区、有少儿抚养和未经历重大负面事件的家庭中更加显著。上述结论对我国应对人口老龄化挑战、推进商业保险市场发展具有一定的现实意义。

In recent years,China’s population aging has been increasing,and relying solely on the social security system is difficult to effectively address the problems caused by aging populations such as old-age care and medical care.Therefore,commercial insurance has become a powerful supplement.Based on the data from the 2019 China Household Finance Survey,this paper uses the probit model to empirically analyze the impact of population aging on household commercial insurance participation.The findings show:the aging of the population significantly reduces household commercial insurance participation;population aging reduces household commercial insurance participation by reducing household disposable funds and household health levels;the inhibitory effect of population aging on family commercial insurance participation is more intense in families with low financial literacy,rural areas,child rearing,and no significant negative events.These conclusions have some realistic meaning for China to address the challenges of population aging and promote the development of the commercial insurance market.