数字普惠金融、商业保险购买与农村居民幸福感

本文首先梳理了数字普惠金融、商业保险购买与农村居民幸福感三者之间的关系,然后基于2017年中国家庭金融调查数据(CHFS)和北京大学数字普惠金融发展指数进行实证检验。结果表明:数字普惠金融发展能够显著提升农村居民幸福感,且该影响对于低年龄段、低收入以及东部地区的家庭更显著。进一步影响机制分析表明:数字普惠金融通过影响家庭商业保险购买进而提升农村居民幸福感。同时,在考虑了内生性和稳健性问题后,结论依然成立。本研究为进一步甄别幸福感的影响因素、理解幸福的深层本质、推动乡村振兴和提升农村居民幸福感提供了新的思路与启示。

Digital Inclusive Finance,Commercial Insurance Purchase and Rural Residents’Well-Being

Firstly,this paper combs the relationship between digital Inclusive Finance,commercial insurance purchase and rural residents’well-being,and then makes an empirical test based on the 2017 China Household Finance survey data(chfs)and the digital Inclusive Finance Development Index of Peking University.The results show that the development of digital inclusive finance can significantly improve rural residents’well-being,and this impact on the low age group Low income families and families in the eastern region are more significant.Further impact mechanism analysis shows that digital inclusive finance can improve the well-being of rural residents by affecting the purchase of family commercial insurance.At the same time,after considering the endogeneity and robustness,the conclusion is still valid.This study provides new ideas and Enlightenment for further identifying the influencing factors of happiness,understanding the deep essence of happiness,Promoting Rural Revitalization and improving rural residents’happiness.