家庭保险资产持有影响因素分析

发布时间：2018-01-24 02:40

本文关键词： 保险资产保险需求风险态度　出处：《保险研究》2013年11期 　论文类型：期刊论文

【摘要】：长期以来,我国保险学界的文献偏重宏观,忽视微观,因而文章尝试分析微观中国家庭持有保险资产的影响因素,并重点关注了风险态度和家庭特征。由于保险经济学理论分析的核心——风险态度,在实证分析中往往被忽略,文章借助实验经济学的思维,用假设证券估值来测度微观个体的风险态度,并将之运用在对居民家庭保险资产持有影响因素的分析上。文章采用全国4 066个微观家庭的大样本调研数据,从实证角度验证了风险厌恶程度越高的家庭持有保险资产的意愿更强和数量更多。具体到家庭特征对保险资产持有的影响,家庭收入、自有住房、遗赠意愿都对家庭保险资产持有有正向影响,而流动性限制的存在也将降低家庭持有保险资产的额度。
[Abstract]:For a long time, the literature of insurance circles in our country has paid more attention to macroscopical and neglected microcosmic, so the article tries to analyze the influence factors of microcosmic Chinese family holding insurance assets. And focus on risk attitude and family characteristics. Because the core of the theoretical analysis of insurance economics-risk attitude, is often ignored in the empirical analysis, the article relies on the thinking of experimental economics. Using hypothetical securities valuation to measure the risk attitude of micro-individuals. And it is applied to the analysis of the influencing factors of household insurance asset holdings. This paper uses the large sample data of 4,066 micro-households in China. From the empirical point of view, the higher the degree of risk aversion, the more willing families to hold insurance assets and the greater the number of such assets. In particular, the impact of family characteristics on the holding of insurance assets, household income, home ownership. Bequeath will have a positive impact on household insurance holdings, and liquidity restrictions will reduce household holdings of insurance assets.
【作者单位】：西南交通大学经济管理学院;清华大学经济管理学院;
【基金】：国家自然科学基金项目(71232003)和(71273150)的资助
【分类号】：F840.6
【正文快照】： 保险的现代经济分析是在Von NeumannMorgenstern(1947)的期望效用模型、FriedmanSavage(1948)风险态度,ArrowDebrew(1953)的一般均衡分析三者基础上发展起来的,因此风险态度是保险需求理论分析的重要因素,但保险需求的实证分析文献却不约而同地忽略了风险态度。这有两个可

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