认知能力,保险决策和劳动力供应行为:来自中国农村的证据
1Central University of Finance and Economic, School of Insurance, Beijing, China.
Frontiers in public health
|July 15, 2024
概括
认知能力,特别是语言和数学技能,对中国农村社会医疗保险和养老金的参与有积极的影响. 更高的认知技能也增加了收入,促进了保险入学率,并影响了劳动力供应决策.
科学领域:
- 经济学 经济学 经济学
- 行为经济学是一种行为经济学.
- 社会科学 社会科学 社会科学
背景情况:
- 了解认知能力在经济决策中的作用至关重要.
- 财务素养和认知技能显著影响个人经济选择.
研究的目的:
- 实证地研究认知技能对中国农村保险参与决策的影响.
- 分析通过认知技能影响保险吸收的机制.
主要方法:
- 利用了2010年,2014年和2018年的中国家庭小组研究 (CFPS) 数据.
- 采用计量经济学分析来评估认知能力与保险参与之间的相关性.
主要成果:
- 更高的词汇能力与社会医疗保险参与率的增加有关.
- 语言和数学能力都与社会养老金参与有积极的相关性.
- 认知技能增强了同行影响效应和个人收入,促进了保险入学.
结论:
- 认知技能是中国农村社会保险参与的重要决定因素.
- 认知能力通过收入和社交网络道影响保险决策.
- 认知技能也调节了社会保障和劳动力供应行为之间的关系.
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