商业财产保险对家庭消费与投资行为的影响——基于中国家庭微观调查数据的研究

发布时间：2018-02-26 10:31

本文关键词： 商业财产保险家庭行为多元排序离散选择模型　出处：《商业研究》2017年05期 　论文类型：期刊论文

【摘要】：动态优化模型分析和实证研究说明:(1)商业财产保险对家庭投资水平短期和长期影响都为正,但短期影响大于长期影响;对家庭消费水平的短期影响为负,长期影响为正。(2)以低消费水平为基准,家庭缴纳越多的商业财产保险保费,中低消费水平、中高消费水平和高消费水平家庭消费意愿就越强烈,且商业财产保险对中高消费水平家庭的促进作用更加明显;以不愿意承担任何投资风险为基准,家庭缴纳的商业财产保险保费水平越高,家庭进行各种投资的意愿越强烈。因此,扩大商业财产保险覆盖面、提高其保险保障力度,将有助于家庭形成良好的消费和投资预期,进而增加相应支出。
[Abstract]:Dynamic optimization model analysis and empirical research show that commercial property insurance has a positive short-term and long-term impact on household investment level, but the short-term impact is greater than long-term impact, and the short-term impact on household consumption level is negative. Based on low consumption level, the more households contribute to commercial property insurance premiums, the higher the consumption willingness of middle and high consumption level households is. And commercial property insurance plays a more important role in promoting middle and high consumption level families. The higher the level of commercial property insurance premium is, the more households are not willing to take on any investment risk. Therefore, expanding the coverage of commercial property insurance and increasing its insurance coverage will help families to form good consumption and investment expectations, and thus increase the corresponding expenditure.
【作者单位】：西南财经大学统计学院;青岛银行博士后科研工作站;中国人民银行成都分行;
【基金】：教育部人文社科规划基金项目,项目编号:12YJA630061 中央高校基本科研业务费专项资金资助项目,项目编号:JBK1507105
【分类号】：F840.65

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