《保险研究》20191204-《互联网使用与家庭商业保险购买——来自CFPS数据的证据》(杨碧云、吴熙、易行健)

[中图分类号]F063.4 [文献标识码]A [文章编号]1004-3306(2019)12-0030-18 DOI:10.13497/j.cnki.is.2019.12.004

资源价格:30积分

  • 内容介绍

[摘   要]本文基于中国家庭追踪调查(CFPS)2014和2016年的面板数据,详细分析了互联网使用与居民家庭商业保险购买决策之间的关系。实证结论表明:互联网使用显著提高了家庭商业保险购买的参与概率和参与程度,使用工具变量法和固定效应模型处理内生性、利用上网时间和移动上网以及采用中国家庭金融调查(CHFS)2013截面数据进行稳健性检验,并对寿险和财产险区分研究,估计结果表明本文结论比较稳健和可靠。但是这种促进效果主要体现在低收入、受教育水平低以及农村地区的居民家庭群体,而且相比城镇家庭,农村家庭更倾向于购买商业财产保险,较少选择购买商业人寿保险。影响机制分析的结果表明,互联网使用主要通过降低交易成本与提高居民的保险可得性来提高家庭商业保险参与的概率,但是本文没有找到互联网使用通过提高人们的社交互动水平从而影响家庭商业保险购买的证据。

[关键词]互联网使用;家庭商业保险;保险可得性;社交互动

[基金项目]本文受2015年国家社科基金重大项目(15ZDA013)的资助。

[作者简介]杨碧云,广东外语外贸大学金融学院教授,硕士生导师;吴熙,广东外语外贸大学金融学院硕士研究生;易行健,广东外语外贸大学金融学院教授、院长,广州华南财富管理中心研究基地主任,博士生导师。


Internet Usage and Household Commercial Insurance Purchases—Evidences from CFPS

YANG Bi-yun,WU Xi,YI Xing-jian

Abstract:Based on panel data from the China Family Panel Studies (CFPS) in 2014 and 2016,this paper analyzed the relationship between Internet usage and household commercial insurance purchases.The empirical conclusions show that Internet use significantly increases both the probability and degree of household commercial insurance participation;estimates using instrumental variable and fixed-effects models,as well as robustness tests using online time,mobile Internet,and using the China Household Financial Survey (CHFS) data in 2013 for a separate study of life and property insurance indicate that the conclusions are robust and reliable.This effect mainly exists in low-income,low-education and rural families;and compared to urban households,rural households are more inclined to buy commercial property insurance and less likely to purchase commercial life insurance.Analysis of mechanism shows that Internet usage increases the probability of family commercial insurance participation by reducing the cost of information search and improving the availability of insurance.However we don’t find that Internet usage affect the purchase of commercial insurance by improving social interaction.

Key words:Internet usage;household commercial insurance;insurance availability;social interaction