家庭人力资本投资与商业保险保障

财经论丛 ›› 2019, Vol. 35 ›› Issue (5): 42-52.

家庭人力资本投资与商业保险保障

朱铭来, 乔丽丽

(南开大学金融学院,天津 300350)

收稿日期:2018-03-22 出版日期:2019-05-10 发布日期:2019-05-15
作者简介:朱铭来(1970-),男,天津市人,南开大学金融学院教授,博士生导师;乔丽丽(1990-),女,河北石家庄人,南开大学金融学院博士生。
基金资助:
国家社会科学基金资助项目(18BGL199)

Household Human Capital Investment and the Effect of Commercial Insurance

ZHU Minglai, QIAO Lili

(School of Finance, Nankai University, Tianjin 300350, China)

Received:2018-03-22 Online:2019-05-10 Published:2019-05-15

摘要/Abstract

摘要： 本文从理论和实证两方面研究了商业保险对家庭人力资本投资的影响。结果显示,商业保险支出对家庭人力资本投资存在U型关系,当期商业保险支出与人力资本投资同属于家庭消费支出,二者存在替代关系,但长期商业保险能够较好地发挥补充保障作用,促进家庭教育投资。与商业保险、社会保险等保障性制度相比,收入对家庭人力资本投资作用不显著,保障性制度建设对人力资本投资的作用大于收入的作用。检验进一步说明,商业保险对创新型人力资本投资具有较好的促进作用,且商业保险对中低收入组家庭的影响更为显著。

关键词: 商业保险, 教育投入, 人力资本

Abstract: This paper studies the effect of commercial insurance on the household human capital investment from both theory and empirical. The results show that there is a U-shaped relationship between commercial insurance and the investment. It shows that both commercial insurance and human capital investment are consumption exists a relationship between them in the current period. But commercial insurance has a good protective effect on the families in the long run. More importantly, empirical results show that income is relatively unremarkable for household human capital investment. We find that social security systems such as commercial insurance and social insurance a greater effect on the household human capital investment than income. In addition, the robustness test shows that insurance could increase the investment ofinnovative human capital and the effect of insurance on the middle-income families more significant.

Key words: Commercial Insurance, Investment of Education, Human Capital

中图分类号:

F840

朱铭来, 乔丽丽. 家庭人力资本投资与商业保险保障[J]. 财经论丛, 2019, 35(5): 42-52.

ZHU Minglai, QIAO Lili. Household Human Capital Investment and the Effect of Commercial Insurance[J]. , 2019, 35(5): 42-52.

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