商业人身保险对家庭消费影响研究

With the rise of social risk awareness, commercial life insurance as a risk management tool has become more and more important. This article uses the 2015 CHFS data to analyze the impact of commercial life insurance holdings on household consumption. By constructing Probit model and Tobit model for regression analysis, the empirical results show that: commercial life insurance can promote the improvement of household consumption level and upgrade of household consumption structure. The level of household consumption expenditure of insured commercial life insurance is significantly higher than that of uninsured households. The impact of life insurance on household consumption more affects the spiritual level of expenditure; China\'s family life insurance participation rate is much lower than that of developed countries, and the gap between urban and rural areas is large; the empirical results also confirm the traditional consumption theory, family income and family Consumption expenditure has a significant positive correlation; the higher the education level of the head of household, the better the health status, and the higher the household consumption level and consumption level. Based on the empirical results, this article puts forward countermeasures and suggestions from four aspects: strengthening policy support, optimizing the structure of insurance products, improving the market supervision system, and increasing insurance promotion.