摘要
随着我国进入相对贫困治理新阶段,商业保险作为市场化风险治理工具的作用日益凸显。基于中国家庭追踪调查(CFPS)数据,运用二元Logistic回归模型和中介效应模型,分析商业保险对家庭相对贫困的影响及其作用机制。结果表明,在控制相关变量后,参与商业保险能够显著降低家庭陷入相对贫困的几率,且商业保险的减贫效应在中西部地区及小规模家庭中更为突出;中介效应分析表明,家庭参保商业保险通过提升家庭非医疗消费支出和家庭医疗服务利用,释放家庭消费潜力、促进家庭成员健康,从而降低家庭发生相对贫困的可能性。基于此,为更好发挥商业保险在缓解家庭相对贫困中的作用,应强化政府对商业保险发展的政策引导与财政支持、鼓励保险公司优化产品设计与服务流程、提升居民风险认知与保险规划能力。
As China enters a new stage of relative poverty governance,the role of commercial insurance as a market-based risk governance tool is becoming increasingly prominent.Based on the data of the China Household Tracking Survey(CFPS),the binary Logistic regression model and the mediating effect model were used to analyze the impact of commercial insurance on household relative poverty and its influence mechanism.The results show that after controlling for relevant variables,families participating in commercial insurance can significantly reduce the probability of families falling into relative poverty,and the poverty reduction effect of commercial insurance is more prominent in the central and western regions and small-scale families.The analysis of the mediating effect shows that the participation of families in commercial insurance can increase the non-medical consumption expenditure of families and the utilization of family medical services,thereby releasing the consumption potential of families and promoting the health of family members,thus reducing the possibility of relative poverty in families.Based on this,to better leverage the role of commercial insurance in alleviating relative poverty among families,it is necessary to strengthen the government's guidance and financial support for the development of commercial insurance,encourage insurance companies to optimize product design and service processes,and enhance residents'risk awareness and insurance planning capabilities.
作者
李玉水
侯晓捷
LI Yu-Shui;HOU Xiao-Jie(School of Finance,Fujian Jiangxia University,Fuzhou,350108,China)
出处
《福建金融管理干部学院学报》
2025年第3期35-47,共13页
Journal of Fujian Institute of Financial Administrators
基金
福建省社科研究基地重大项目“保险视角下防范因病致贫返贫风险的长效机制研究”(FJ2022MJDZ040)。
关键词
商业保险
家庭相对贫困
医疗支出
commercial insurance
household relative poverty
medical expenditure
