正式制度、非正式制度与农村家庭消费性支出——基于保险和社会网络的空间计量分析

发布时间：2018-05-03 10:13

本文选题：正式制度 + 非正式制度　；参考：《保险研究》2017年08期

【摘要】：本文研究农村社会保险和商业保险等正式制度以及社会网络对农村家庭消费的影响,由于家庭网络和社区网络产生的信任度和归属感会导致家庭的社会边际收益与私人边际收益,社会边际成本与私人边际成本的不一致,引入社会网络外部性的概念,并利用空间计量模型中的空间交互效应来衡量。结果表明:农村社会保险对农村家庭消费有一定的促进作用,而农村家庭可以通过购买商业保险弥补农村社会保险的不足;家庭网络促进了农村家庭消费,而社区网络的不畅降低了农村家庭消费意愿,社会网络外部性的存在使得农村家庭消费既存在竞争关系,又使得在考虑其他不可预测冲击时产生依赖关系;社会网络在一定程度上促进了农村家庭商业保险消费,但农村家庭对于商业保险消费的认同相对滞后。
[Abstract]:This paper studies the impact of formal systems such as rural social insurance and commercial insurance and social networks on rural household consumption. Because the trust and the sense of belonging generated by the family network and the community network will lead to the difference between the social marginal income and the private marginal income, the social marginal cost is inconsistent with the private marginal cost, so the concept of social network externality is introduced. And the spatial interaction effect in the spatial measurement model is used to measure. The results show that rural social insurance can promote rural household consumption to some extent, and rural families can make up for the deficiency of rural social insurance by purchasing commercial insurance, and family network promotes rural household consumption. The lack of community network reduces the willingness of rural households to consume. The existence of externality of social network makes rural household consumption not only competitive but also dependent on other unpredictable shocks. To a certain extent, social network promotes rural households' consumption of commercial insurance, but rural families' identity on commercial insurance consumption lags behind.
【作者单位】：南开大学金融学院中国特色社会主义经济建设协同创新中心;
【基金】：南开大学中国特色社会主义经济建设协同创新中心的资助
【分类号】：F323.8;F842.66

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