摘要
对家庭商业保险的参保情况与家庭消费水平之间的关系进行分析,为推动各类商业保险发展和提升居民消费,使得经济高质量发展提供参考和决策依据。基于CGSS2017数据,使用倾向匹配得分法对参加商业保险对家庭消费水平的影响进行实证分析。结果表明,参加商业医疗保险可以有效刺激家庭消费。基于实证结果,提出多层次建设保险体系,探索保险和贫困人口扶持结合和开发和多样化开发产品等建议。
The relationship between the participation of family commercial insurance and the level of house-hold consumption is analyzed, which provides a reference and decision-making basis for promoting the development of various types of commercial insurance and improving residents’ consumption and making the economy develop in high quality. Based on CGSS2017 data, the influence of partici-pation in commercial insurance on household consumption level was empirically analyzed by using the propensity matching score method. The results show that participating in commercial medical insurance can effectively stimulate household consumption. Based on the empirical results, it pro-poses to build an insurance system at multiple levels, explore the combination of insurance and poor population support and develop diversified development products.
出处
《应用数学进展》
2022年第6期3572-3579,共8页
Advances in Applied Mathematics
