金融学院知识库

作为社会保障体系不可或缺的一部分，商业保险通过其独特的风险分担机制，在促进社会稳定和经济发展等方面扮演着重要角色。当前，尽管我国保险市场规模已位列全球第二，但保险密度和保险深度均低于全球平均水平，保险有效需求与发达国家相比仍有很大的发展潜力。同时，我国保险市场还存在区域发展不均衡、保费收入结构失衡等问题。在数字普惠金融与普惠金融深度融合的过程中，打破了传统金融市场的约束，不仅颠覆了传统保险理念，还改变了人们对保险产品的认知能力和选择行为。基于此，本文结合理论分析和实证研究，就数字普惠金融对居民商业保险需求的影响这一课题展开研究。

首先，本文探讨了国内外关于数字普惠金融和商业保险需求的研究现状，明确了相关概念及其基础理论，并分析了我国数字普惠金融及保险市场的发展现状；其次，提出数字普惠金融对居民商业保险需求的四条影响机制；最后，将2011-2021年数字普惠金融指数与我国286个地级市宏观经济数据匹配后进行实证检验，讨论对不同地区和不同险种的影响差异，并进行了稳健性检验。实证结果表明：第一，数字普惠金融的发展对居民商业保险需求呈显著的正向影响效应；第二，数字普惠金融的子维度中，使用深度和覆盖广度对居民商业保险需求的促进作用大于数字化程度；第三，数字普惠金融能够通过数字化支付、互联网保险、消费信贷等途径提升居民商业保险需求；第四，数字普惠金融对居民商业保险需求的影响在区域和险种上均存在一定程度的差异，表现为东部强于中西部、财产险强于人身险。根据研究结论，本文提出了完善数字普惠金融基础设施建设，宣传普及数字普惠金融知识、提升消费者的金融素养，创新数字保险产品与服务，加强监管力度、发挥政府机构的指引功能四点政策建议。

As an indispensable part of the social security system, commercial insurance plays an important role in promoting social stability and economic development through its unique risk-sharing mechanism. At present, although the size of China's insurance market has been ranked second in the world, the insurance density and depth of insurance are lower than the global average, and the effective demand for insurance still has great potential for development compared with developed countries.At the same time, China's commercial insurance market is still characterized by problems such as uneven regional development and imbalance in the structure of insurance income. In the process of the deep integration of digital inclusive finance and financial inclusion, it breaks the constraints of the traditional financial market, and changes people's cognitive ability and selection behavior of insurance products while subverting the traditional insurance concept. Based on this, this paper combines theoretical analysis and empirical research to study the topic of the impact of digital financial inclusion on residents' demand for commercial insurance.

Firstly, this paper discusses the current research status of domestic and international studies on digital financial inclusion and commercial insurance demand, clarifies the relevant concepts and their underlying theories, and analyzes the development status of China's digital financial inclusion and insurance market; secondly, it puts forward the four mechanisms of digital financial inclusion's impact on residents' commercial insurance demand; finally, it compares the digital financial inclusion index from 2011-2021 with China's 286 prefecture level city  Macroeconomic data are matched to conduct empirical tests to discuss the differences in the impact on different regions and different types of insurance, and robustness tests are conducted. The empirical results show that, first, the development of digital financial inclusion has a significant positive impact effect on residents' demand for commercial insurance; Second, among the sub-dimensions of digital financial inclusion, the depth of use and breadth of coverage have a greater promotional effect on residents' demand for commercial insurance than the degree of digitization; third, digital financial inclusion is able to enhance residents' demand for commercial insurance through digitized payment, Internet insurance, consumer credit, etc.; fourth, the impact of digital financial inclusion on residents' demand for commercial insurance varies to a certain extent in terms of regions and types of insurances, which is shown to be The impact of digital financial inclusion on residents' commercial insurance demand varies to a certain extent in terms of region and insurance type, showing that it is stronger in the east than in the central and western parts of the country, and stronger in property insurance than in personal insurance. Based on the conclusions of the study, this paper puts forward a four-point policy recommendation to improve the construction of digital inclusive financial infrastructure, publicize and popularize digital inclusive financial knowledge and enhance consumers' financial literacy, innovate digital insurance products and services, and strengthen supervision and play the guiding function of government agencies.