《保险研究》20231101-《商业保险促进共同富裕提升：机制与效应》（胡宏兵、朱涛）

［摘   要］作为现代经济的重要产业和社会保障体系的重要支柱，商业保险具有助力实现共同富裕的“天然属性”。本文基于CHFS数据和面板熵值法构建共同富裕指数，使用双向固定效应模型探究商业保险对共同富裕的影响效应和作用机制。研究发现：第一，商业保险对家庭共同富裕水平具有显著的促进作用，该结果在经过一系列的稳健性检验和内生性检验后依然成立；第二，商业保险对共同富裕的影响存在差异，在共同富裕水平较低、西部地区、低收入家庭、女性户主家庭中，商业保险对共同富裕水平提升的效应更强；第三，机制分析表明，商业保险可以通过缩小物质财富差距和增加致富机会来促进共同富裕提升。本研究为制定实施推动商业保险发展以实现共同富裕的相关政策提供了理论参考依据。

［关键词］共同富裕；商业保险；中国式现代化；高质量发展

［基金项目］国家社会科学基金一般项目“保险发展促进共同富裕的指标体系、路径机理与政策建议研究”(22BJY217)；中国保险学会2023年度课题《保险发展助力中国式现代化研究：路径机理与政策建议》(ISCKT2023-N-1-03)

［作者简介］胡宏兵，中南财经政法大学金融学院教授、博士生导师；朱涛(通讯作者)，中南财经政法大学金融学院博士生。

Commercial Insurance Promotes Common Prosperity:Effects and Mechanisms

HU Hong-bing,ZHU Tao

Abstract：As an important industry of the modern economy and an important pillar of the social security system,commercial insurance has the "natural attribute" to help achieve common prosperity.In this paper,the common prosperity index is constructed based on CHFS data and the panel entropy method,and the two-way fixed-effect model is used to explore the influencing effect and mechanism of commercial insurance on common prosperity.The results find that:first,commercial insurance has a significant effect on the common prosperity level of households,and the results are still stable after a series of robustness tests and endogenous tests.Second,there are differences in the impact of commercial insurance on common prosperity,and commercial insurance has a better effect on improving the level of common prosperity of regions with lower level of common prosperity,or in the western China,or for low-income households,and female-headed households.Third,mechanism analysis shows that commercial insurance can promote common prosperity by narrowing the gap in material wealth and increasing the chance of getting rich.This study provides a theoretical reference for the formulation and implementation of relevant policies to promote the development of commercial insurance to achieve common prosperity.

Key words：common prosperity;commercial insurance;income redistribution;getting rich and increasing income