金融学院知识库

现今社会中，商业保险的角色日益凸显其重要性。然而，我国商业保险市场的发展相较于发达国家仍存在显著距离，整体实力尚显不足。尤其是对于农村居民群体，由于其金融知识储备相对匮乏，对商业保险所具备的功能及其价值认识不到位，并且缺乏方便快捷且准确可靠的保险信息获取途径，这些因素共同导致了我国农村家庭购买商业保险的比例相对偏低，整体呈现出较为疲软的需求态势。然而，如今我们正处于信息化和互联网蓬勃发展的时代，数字技术显著提升了信息的公开透明度，并极大地促进了金融保险信息的传播效率，然而，并非所有社会群体都能够均等地受益于数字技术所带来的诸多优势。农村家庭由于“数字鸿沟”的存在，仍然面临着获取信息和服务的障碍。因此，本研究特地构建了数字鸿沟指数，并对其进行了深入分析，旨在探讨农村家庭参与商业保险在何种程度上受到数字鸿沟的影响。

本文的研究框架和内容布局如下：首章为引言部分，详述了研究背景及其重要意义，对既有文献中关于数字鸿沟与商业保险的论述进行了系统的回顾和评析，并明确了本研究的创新点与局限性。第二章，界定了关键概念，并基于相关理论基础，深入探讨了数字鸿沟如何影响农村家庭参与商业保险，剖析了数字鸿沟作用于家庭商业保险参与的内在机制。第三章中，详尽描述了当前我国数字鸿沟的真实情况以及商业保险市场的发展全景，结合实际具体解析了数字鸿沟如何影响农村家庭对商业保险的参与路径。第四章利用中国家庭金融调查2015、2017和2019年的数据资料，进行了实证研究，定量分析了数字鸿沟对农村家庭商业保险参与的影响程度。同时，本章通过实证方法验证了社会互动、财经信息关注度以及金融知识水平这三种作用机制对数字鸿沟与商业保险参与关系的影响，并开展了多维度的异质性分析。最后，第五章基于前几章的研究成果，进行了总结归纳，提炼了主要研究结果，并在此基础上提出了相关政策建议，旨在促进农村家庭更好地参与到商业保险市场，以及缩小数字鸿沟带来的负面影响。

本研究实证分析所得的关键结论如下：数字鸿沟对农村家庭参与商业保险的可能性及其深度均有显著的抑制效应。具体而言，当综合数字鸿沟指数每上升一个单位时，农村家庭参与商业保险的可能性下降了0.8个百分点，同时商业保险保费在其家庭总消费中的占比减少了1.4个百分点。同样，一级和二级数字鸿沟指数每一单位的增加，都会导致农村家庭参与商业保险的可能性下降0.5个百分点，其中一级数字鸿沟指数上升时商业保险保费占比减少1个百分点，而二级数字鸿沟指数上升时则减少0.8个百分点。关于影响机制的探索揭示，数字鸿沟主要通过三条途径影响农村家庭对商业保险的参与：一是削减了社会互动，减弱了保险信息的传播和接受；二是降低了居民对财经信息的关注度，影响了他们对保险产品的理解和需求；三是阻碍了农村家庭获取和理解金融知识，从而限制了他们对商业保险的认知和采纳。进一步的异质性分析表明，不论是在不同收入层次的农村家庭中，还是在不同地域的农村家庭中，数字鸿沟都表现出显著的抑制作用，影响农村家庭参与商业保险。特别是对于高收入家庭以及中部地区的农村家庭，数字鸿沟的影响更为明显。

In today's society, the role of commercial insurance has increasingly emphasized its importance. However, the development of China's commercial insurance market is still far from that of developed countries, and its overall strength is still insufficient. Especially for the rural population, due to the relative lack of financial knowledge, the lack of understanding of the function and value of commercial insurance, and the lack of convenient, fast, accurate and reliable access to insurance information, all of these factors have led to the relatively low proportion of rural families in China to purchase commercial insurance, showing a relatively weak demand overall. However, we are now in the era of information technology and the Internet, digital technology has significantly improved the transparency of information and greatly facilitated the dissemination of financial and insurance information, however, not all social groups can benefit equally from the advantages brought by digital technology. However, not all social groups have benefited equally from the advantages of digital technology. Rural households still face barriers to accessing information and services due to the "digital divide". Therefore, this study constructs a digital divide index and analyzes it in depth, aiming to explore the extent to which rural households' participation in commercial insurance is affected by the digital divide.

The research framework and content layout of this paper are as follows: the first chapter is the introduction section, which details the background of the study and its significance, systematically reviews and analyzes the discourse on digital divide and commercial insurance in the established literature, and identifies the innovations and limitations of this study. In Chapter 2, key concepts are defined, and based on relevant theoretical foundations, an in-depth discussion is conducted on how the digital divide affects rural households' participation in commercial insurance, and the internal mechanisms by which the digital divide acts on households' participation in commercial insurance are analyzed. In Chapter 3, the real situation of the current digital divide in China and the panorama of the development of the commercial insurance market are described in detail, and how the digital divide affects rural households' participation in commercial insurance is analyzed specifically in the light of reality. Chapter 4 utilizes the data and information from the China Household Finance Survey 2015, 2017 and 2019 to conduct an empirical study to quantitatively analyze the extent of the digital divide's impact on rural households' participation in commercial insurance. Meanwhile, this chapter empirically verifies the impact of three mechanisms of action, namely social interaction, financial information attention and financial literacy, on the relationship between divide and commercial insurance participation, and carries out a multidimensional heterogeneity analysis. Finally, based on the research results in the previous chapters, Chapter 5 summarizes the main findings and puts forward relevant policy recommendations on the basis of them, aiming to promote better participation of rural households in the commercial insurance market and reduce the negative impacts of the divide.

The key findings from the empirical analysis of this study are as follows: the digital divide has a significant inhibitory effect on both the likelihood of rural households participating in commercial insurance and its depth. Specifically, for each unit increase in the composite divide index, the likelihood of rural households participating in commercial insurance decreased by 0.8 percentage points, while the share of commercial insurance premiums in their total household consumption decreased by 1.4 percentage points. Similarly, each unit increase in both the primary and secondary divide indices leads to a 0.5 percentage point decrease in the likelihood of rural households' participation in commercial insurance, with a 1 percentage point decrease in the share of commercial insurance premiums when the primary divide index increases, and a 0.8 percentage point decrease when the secondary digital divide index increases. Explorations on the impact mechanisms reveal that the divide affects rural households' participation in commercial insurance through three main pathways: first, it cuts down on social interactions and weakens the dissemination and acceptance of insurance information; second, it reduces the residents' attention to financial information, which affects their understanding and demand for insurance products; and third, it hinders rural households' access to and understanding of financial literacy, which in turn restricts their commercial insurance cognition and adoption. Further heterogeneity analyses show that the digital divide exhibits a significant inhibitory effect on rural households' participation in commercial insurance, both among rural households at different income levels and in different geographic regions. In particular, the impact of the digital divide is more pronounced for higher-income households and for rural households in the central region.