移动互联网可及性、金融排斥与商业健康保险参与——来自CHFS数据的证据

基于2017年中国家庭金融调查（CHFS）数据，使用Probit和Tobit模型，研究了移动互联网可及性对商业健康保险参与的影响。研究发现：移动互联网可及性能显著提高商业健康保险的参与概率和程度，对城镇、户主受教育程度高和成员有创业经历的家庭的影响更大。采用所在小区智能手机平均数量作为工具变量进行内生性处理，使用移动支付替换关键变量，结论均稳健成立。机制分析表明移动互联网可及性可通过缓解金融排斥促进家庭参与商业健康保险。

Mobile Internet Accessibility, Financial Exclusion and Commercial Health Insurance Participation: Evidence from CHFS

Based on China Household Finance Survey 2017 (CHFS) data, this paper uses Probit model and Tobit model to study the impact of mobile Internet accessibility on household commercial health insurance participation. The empirical study finds that the accessibility of mobile internet significantly increases the possibility of households to purchase commercial health insurance and the expenditure on insurance premiums, but the impact of this promotion on urban, highly educated and entrepreneurial households is greater. Also, with the average holding number of smartphones in the community where the family lives taken as the instrumental variable for endogeneity discussion and the mobile payment used to replace the key variable for robustness test, the conclusions are found to be robust. Furthermore, the mechanism analysis shows that mobile Internet accessibility increases household commercial health insurance participation by alleviating financial exclusion.