城乡保险消费的非线性特征——基于收入分布视角的理论与实证研究

发布时间：2018-01-04 17:25

本文关键词：城乡保险消费的非线性特征——基于收入分布视角的理论与实证研究　出处：《保险研究》2017年07期 　论文类型：期刊论文

【摘要】：本文通过在收入分布视角下构建居民保险消费的理论模型,预见了保险消费的非线性特征及其对保险市场的潜在影响。并采用2011年CHFS数据分别建立城乡居民保险消费的门限回归模型,识别出了这种非线性特征。研究结果表明:可支配收入的提升虽能促进城镇低收入群体的保险消费,但对其高收入群体的作用有限;对农村低收入群体保险消费的影响并不显著,且会使高收入群体削减保险支出。该特征在收入分布变迁背景下将会导致居民总体保险消费的增长出现瓶颈。由此,在"供给侧"充分发挥商业保险机构的创新主导作用来激发高收入群体的保险消费活力,并在"需求侧"促使收入分配政策合理向低收入群体适度倾斜,将可能成为扭转当前局面的有效途径。此外,社保收入对保险消费的引导和调节作用还有待开发和加强。
[Abstract]:This paper constructs the theoretical model of resident insurance consumption from the perspective of income distribution. The nonlinear characteristics of insurance consumption and its potential impact on the insurance market are foreseen, and the threshold regression model of urban and rural residents' insurance consumption is established by using CHFS data in 2011. The results show that the increase of disposable income can promote the insurance consumption of urban low-income group, but it has limited effect on the high-income group. The impact on rural low-income group insurance consumption is not significant. And will make the high-income group to reduce the insurance expenditure. This feature will lead to the growth of the overall insurance consumption bottleneck under the background of income distribution change. On the "supply side", we should give full play to the innovation and leading role of the commercial insurance institutions to stimulate the insurance consumption vitality of the high-income groups, and on the "demand side" to make the income distribution policy reasonably inclined to the low-income groups. In addition, the role of social security income in guiding and regulating insurance consumption needs to be developed and strengthened.
【作者单位】：吉林大学数学学院;吉林大学数量经济研究中心;
【基金】：国家社会科学基金项目(16FJL006) 教育部人文社会科学重点研究基地重大项目(10JJD790032) 中央高校基本科研业务费专项资金(451160301300)
【分类号】：F126;F224;F842.6
【正文快照】： 一、引言“供给侧改革”的提出引发了学术界对各行业今后走向的深入思考和探讨。改革的主旨在于使我国供给体系更好地适应市场需求的变化,因此,寻求有效的改革途径不仅不能对需求避而不谈,而是要落脚于市场需求,这样才能达到增强市场有效性、促使市场供需关系步入良性循环的目

【相似文献】