家庭分工对居民商业保险购买意愿的影响

The influence of division of household labor on residents′willingness to purchase commercial insurance

构建模型分析家庭分工影响居民商业保险购买意愿的影响机制,基于2016—2020年的CFPS数据进行实证分析。研究发现:从家庭分工来看,家务和经济依赖丈夫的程度越深,居民购买商业保险的意愿越强;在异质性分析中,家庭分工对北方家庭和风险规避家庭商业保险购买意愿的影响更为显著;社会信任和投资意识在家庭分工对居民商业保险购买意愿的影响机制中起中介作用,促进了居民商业保险的购买意愿。基于此,应进一步提高家庭成员的金融素养、鼓励家庭成员共同参与保险决策;同时,推进保险产品与服务的创新,为家庭提供更为全面的保险保障。

By constructing a model to analyze the mechanism of division of household labor affecting commercial insurance purchase willingness,and based on the data of the Chinese Family Panel Studies(CFPS)data from 2016 to 2020,this study found that the deeper the degree of housework and economic dependence on the husband,the stronger residents′willingness to purchase commercial insurance.In the heterogeneous analysis,the division of household labor has a more significant impact on residents′willingness to purchase commercial insurance for male-dependent families in north China and risk-averse families.Social trust and investment awareness positively mediate the mechanism of the influence of division of household labor on residents′willingness to purchase commercial insurance.Based on the findings,this study suggests that family members′financial literacy should be further enhanced,and family members should be encouraged to participate in insurance decision-making;at the same time,innovations in insurance products and services should be promoted to provide families with more comprehensive insurance protection.