典型文献
The Impact of Commercial Insurance on Household Financial Vulnerability
文献摘要：
This research examines the effects of commercial insurance on household financial vulner-ability using data from the China Household Finance Survey(CHFS).Data were collected from 39875 households in 29 provinces of China.The probit model was used to test the relationship between the study variables.The results show that commercial insurance participation reduces the likelihood of a household's financial vulnerability.Heterogeneity analysis found that commercial insurance partic-ipation had a more significant dampening effect on the financial vulnerability of households with low personal expenses,low-income,low human capital,rural areas,and the central and western regions,in-dicating that commercial insurance has a universal effect.This study offers several policy implications for combating household financial vulnerability.First,improving the commercial insurance protection system in both urban and rural areas could improve households'risk management capacity.Second,establishing tax-rewarding policies to encourage households to participate in commercial insurance.Third,increasing the popularity of commercial insurance,particularly in rural areas,and exploring the rural commercial insurance market.
文献关键词：
中图分类号：
作者姓名：
Xin LI;Zhichao YIN;Taixing LIU;Huajun WEN
作者机构：
Overseas Chinese College,Capital University of Economics and Business,Beijing 100070,China;School of Finance,Capital University of Economics and Business,Beijing 100070,China;School of Economics and Management,Beijing Jiaotong University,Beijing 100091,China
文献出处：
引用格式：
[1]Xin LI;Zhichao YIN;Taixing LIU;Huajun WEN-.The Impact of Commercial Insurance on Household Financial Vulnerability)[J].系统科学与信息学报（英文版）,2022(06):531-553
A类：
ipation
B类：
Impact,Commercial,Insurance,Household,Financial,Vulnerability,This,research,examines,effects,commercial,insurance,financial,using,data,from,China,Finance,Survey,CHFS,Data,were,collected,households,provinces,probit,model,was,used,test,relationship,between,study,variables,results,show,that,participation,reduces,likelihood,vulnerability,Heterogeneity,analysis,found,had,more,significant,dampening,low,personal,expenses,income,human,capital,rural,areas,central,western,regions,dicating,has,universal,offers,several,policy,implications,combating,First,improving,protection,system,both,urban,could,improve,risk,management,capacity,Second,establishing,tax,rewarding,policies,encourage,participate,Third,increasing,popularity,particularly,exploring,market
AB值：
0.57575
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