家庭财务脆弱性对家庭寿险需求影响分析
An Analysis on Household Financial Vulnerability and Household Life Insurance Demand
Abstract
我国寿险业发展较快,但寿险产品在家庭中普及率仍不高,需加强家庭购买寿险的主动性。家庭财务脆弱性反映了家庭成员死亡前后消费水平的变动程度,而寿险的主要职能是消除或减轻未来不确定性对家庭造成的经济影响,家庭财务风险对寿险需求产生何种影响是我们要解决的问题。目前,我国居民家庭普遍面临财务脆弱性,持有寿险的家庭对财务脆弱性的弥补效果较好。 本文采用一个综合衡量家庭财务脆弱程度的指标,运用2013年中国家庭金融调查数据研究家庭寿险需求行为发现,家庭“是否”持有寿险受到家庭财务脆弱性的影响,财务脆弱性每增加1%,家庭购买寿险概率提高0.4%。资产和收入越多的家庭越会购买保险,年龄对寿险持有决策呈“倒U型... China's life insurance industry has developed rapidly, but life insurance products’ penetration rate is still not high, it needs to increase household initiatives to buy life insurance. Household financial vulnerability reflects the changes of consumption level before and after the death of family members, the main function of life insurance is to eliminate or mitigate economic impact of future un...