详细信息
人寿保险与居民消费——来自中国数据研究
An Empirical Study on the Relationship between Life Insurance and Consumption in China
文献类型:期刊文献
中文题名:人寿保险与居民消费——来自中国数据研究
英文题名:An Empirical Study on the Relationship between Life Insurance and Consumption in China
作者:史丽媛[1];孙祁祥[2]
第一作者:史丽媛
机构:[1]北京联合大学商务学院;[2]北京大学经济学院
第一机构:北京联合大学商务学院
年份:2014
期号:4
起止页码:74-81
中文期刊名:保险研究
外文期刊名:Insurance Studies
收录:北大核心:【北大核心2011】;CSSCI:【CSSCI_E2014_2016】;
基金:北京联合大学社会科学类新起点计划项目(项目编号:sk201213)的资助
语种:中文
中文关键词:人寿保险;不确定性;居民消费
外文关键词:life insurance ; uncertainty ; household consumption
摘要:商业保险通过发挥其风险保障和损失补偿的功能,弥补了社会保障的不足,在深化社会保障体制改革、建立多层次社会保障体系进程中发挥着不可替代的作用。人寿保险的购买,可以降低居民家庭未来收支的不确定性,有助于稳定预期,扩大当期消费。本文运用我国30个省、市、自治区2002-2012年的面板数据,实证检验并支持了这一结论。更好地发挥寿险业完善社会保障,服务民生的社会职能,需要进一步提升寿险保障程度,增加人寿保险的覆盖率。
Insurance plays an irreplaceable role in society by making up for the deficiency of the social security through the function of risk protection and loss compensation, especially when China is deepening reform on the so- cial security system and building up the muhi-tiered social security system. Life insurance can help reduce the fu- ture uncertainty of households and stabilize the expectation for future, which will lead to increase in the current con- sumption. The empirical test based on a panel data model for 30 provinces covering the time period of 2002 - 2012 supported this conclusion. In order to better play the role of social security and social services, Chinese life insurance industry needs to enhance the level of protection and expand the coverage of life insurance.
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