居民幸福感对家庭商业保险的影响——基于异质性视角的传导机制检验

江西财经大学学报 ›› 2020, Vol. 0 ›› Issue (2): 62-75.

居民幸福感对家庭商业保险的影响——基于异质性视角的传导机制检验

曹直¹, 叶显^2a, 吴非^2b

1. 暨南大学经济学院,广东广州 510632;
2. 广东金融学院 a. 经济贸易学院;b. 行为金融与区域实验室,广东广州 510521

收稿日期:2019-10-22 出版日期:2020-03-25 发布日期:2020-12-14
通讯作者: 叶显,广东金融学院讲师,经济学博士,主要从事金融结构与创新发展研究,联系方式gzyx0628@126.com。
作者简介:曹直,暨南大学博士研究生,主要从事行为金融与公司金融研究;吴非,广东金融学院助理研究员, 经济学博士,主要从事资本市场与创新发展研究。
基金资助:
国家社会科学基金项目“资本市场支持创新与金融供给侧结构性改革研究”（18BJY242）

The Impact of Residents' Happiness on Family Commercial Insurance: A Test of Transmission Mechanism from Heterogeneity Perspective

CAO Zhi¹, YE Xian², WU Fei²

1. Jinan University, Guangzhou 510632;
2. Guangdong University of Finance, Guangzhou 510521, China

Received:2019-10-22 Online:2020-03-25 Published:2020-12-14

摘要/Abstract

摘要： 基于2011年、2013年和2015年中国家庭金融调查（CHFS）的混合面板数据,探讨幸福感对家庭商业保险消费行为的影响。与已有研究不同,在考查幸福感与整体家庭商业保险的关系的同时,将商业保险的种类差异纳入分析框架。研究发现：幸福感显著提高家庭商业保险参与可能性和家庭商业保险参与规模,这种促进作用主要在整体商业保险和人身保险行为中显现。经年日夜间平均降水量数据进行二阶段工具变量回归检验,上述结论仍然一致。机制路径分析表明,幸福感通过生命预期和社会互动的渠道影响商业保险参与行为。异质性分析表明,幸福感对商业保险参与行为的促进作用在收入更高、位于农村地区家庭的组别中更为突出。

关键词: 居民幸福感, 家庭商业保险, 生命预期, 社会互动

Abstract: Based on the mixed panel data of China Household Finance Survey (CHFS) in 2011, 2013 and 2015, this paper explores the impact of happiness on the family commercial insurance consumption behavior. Different from the previous researches, this article incorporates the type differences of commercial insurance into the analytical framework while examining the relationship between happiness and the overall family commercial insurance. The findings show that happiness can significantly increase the possibility of family commercial insurance participation and the scale of family commercial insurance participation. This promotion is mainly manifested in the overall commercial insurance and life insurance behaviors, and the above conclusion is still the same after the two-stage instrumental variable regression is used to test with the average precipitation data of year, day and night. The mechanism path analysis shows that happiness can affect the participation behavior of commercial insurance through the channels of life expectation and social interaction. The heterogeneity analysis shows that happiness has a more prominent effect on the promotion of commercial insurance participation in the family groups in rural areas with higher income.

Key words: residents' happiness, family commercial insurance, life expectation, social interaction

中图分类号:

F890.6

曹直, 叶显, 吴非. 居民幸福感对家庭商业保险的影响——基于异质性视角的传导机制检验[J]. 江西财经大学学报, 2020, 0(2): 62-75.

CAO Zhi, YE Xian, WU Fei. The Impact of Residents' Happiness on Family Commercial Insurance: A Test of Transmission Mechanism from Heterogeneity Perspective[J]. Journal of Jiangxi University of Finance and Economics, 2020, 0(2): 62-75.

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