华中农业大学学报（社会科学版）Issue(4)：47-58,12.DOI:10.13300/j.cnki.hnwkxb.2025.04.005
数字经济时代社会经济地位感知对农村居民商业保险参与的影响
Research on the Impact of Socioeconomic Status Perception on Rural Residents'Participation in Commercial Insurance in the Digital Economy Era
摘要
Abstract
Commercial insurance plays an important role in participating in a multi-level social secu-rity system and providing high-quality elderly care services.Based on data from the 2018 China Compre-hensive Social Survey,this paper constructs a Probit regression model to examine the impact of socioeco-nomic status perception on rural residents'participation in commercial insurance in the digital economy era.The results indicate that socioconomic status perception positively influences rural residents'partici-pation in commercial insurance and this finding remains robust after conducting robustness tests.In the era of the digital economy,socioeconomic status perception can affect rural residents'participation in commercial insurance through Internet integration.Further research indicates that socioeconomic status perception notably enhances commercial insurance participation among rural residents in regions with ad-vanced digital rural development.When information carriers exist and the Internet serves as the primary information sources,the promoting effect of socioeconomic status perception on rural residents'participa-tion in commercial insurance becomes more pronounced.Based on this analysis,the following policy rec-ommendations are proposed:enhancing commercial insurance promotion models that address socioeco-nomic status disparities,establishing risk compensation mechanism related to commercial insurance,nar-rowing the gap in digital rural development to facilitate the internet information integration for rural resi-dents,fully utilizing information carriers to disseminate effective commercial insurance information,thereby encouraging rural residents'participation in commercial insurance.关键词
数字经济/社会经济地位感知/互联网嵌入/农村居民商业保险参与Key words
digital economy/socioeconomic status perceptions/internet integration/rural resi-dents'participation in commercial insurance分类
管理科学引用本文复制引用
向运华,黄蓉..数字经济时代社会经济地位感知对农村居民商业保险参与的影响[J].华中农业大学学报（社会科学版）,2025,(4):47-58,12.基金项目
教育部人文社会科学重点研究基地重大项目"弱有所扶:困难群体就业援助的政策体系研究"(22JJD630015). （22JJD630015）
