《保险研究》20240602-《共同富裕视域下商业保险的收入再分配效应研究》（张宗军、党新宇）

［摘   要］本文利用CFPS 2014、2016和2018年面板数据，分析了持有商业保险对家庭总收入的静态及动态影响。实证检验表明：持有商业保险可使家庭创业的概率提升7.56%，其中，对家庭收入来自工资性收入的，创业概率提升11.17%，对家庭收入来自非工资性收入的，创业概率提升15.25%，由此使家庭总收入显著提高 11.17%：分位数回归发现，商业保险对低收入组家庭(通过创业)产生的增收效应为39.99%，对中等偏下收入组、中等收入组、中等偏上收入组、高收入组家庭产生的增收效应分别为25.44%、20.89%、19.82%、17.74%，说明商业保险可以较好地发挥收入再分配效应。异质性分析发现，商业保险对家庭收入的促进作用在非工资性收入家庭、乡村地区、南方地区作用更大，且收入再分配效果更强；稳健性检验表明，商业保险对家庭间相对收入差距和绝对收入差距均具有良好的抑制作用。据此建议，进一步发展商业保险，使保险业在促进家庭创业和缩小贫富差距中发挥更大作用。

［关键词］共同富裕；商业保险；家庭创业；再分配效应

［基金项目］国家自然科学基金(71963023)，甘肃省高等学校产业支撑计划项目(2020C-28)。

［作者简介］张宗军(通讯作者)，经济学博士(后)，兰州财经大学教授、博士生导师，金融学院院长；党新宇，兰州财经大学硕士研究生。

A Study on the Redistribution Effect of Commercial Insurance under the Background of Common Prosperity

ZHANG Zong-jun,DANG Xin-yu

Abstract：Using CFPS 2014,2016 and 2018 panel data,this paper empirically analyzes the static and dynamic effects of holding commercial insurance on household income.The empirical test shows that commercial insurance can increase the probability of family entrepreneurship by 7.56%,among which,the probability of family entrepreneurship for wage income families increases by 7.16%,and that for non-wage income families increases by 15.25%,as a result,the total income of the family will increase by 11.17%.Quantile regression shows that the income-increasing effect of commercial insurance on low-income families is 39.99%,and the effects for lower-middle-income families,middle-income families,upper-middle-income families and high-income families is 25.44%,20.89%,19.82%,and 17.74% respectively,indicating that commercial insurance has an income redistribution effect.Heterogeneity analysis shows that the income-increasing effect and the redistribution effect of commercial insurance play a greater role in non-wage income families,rural areas and southern regions.The robustness test further finds that commercial insurance has a good inhibitory effect on the relative income gap and absolute income gap between households.Based on this,it is upheld that commercial insurance should be further developed so that the insurance industry can play a greater role in promoting household income growth and narrowing the gap between the rich and the poor.

Key words：common prosperity;commercial insurance;family entrepreneurship;redistribution effect