跨代人寿保险消费:金融知识、规划期限和自我控制的作用

IF 2.8 3区 经济学 Q2 BUSINESS, FINANCE
Lucía Rey-Ares, Sara Fernández-López, Sandra Castro-González
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引用次数: 0

摘要

人寿保险增强了家庭承受金融冲击的能力,并抵御了任何人都不愿考虑的个人风险。在经济困难时期,这一点显得尤为重要,比如现在,许多欧洲国家,尤其是西班牙,由于通胀率上升、乌克兰战争和正在发生的 COVID-19 大流行病,正处于困难时期。尽管以往的研究分析了人寿保险需求的驱动力,但对个人财务规划视野、财务知识和财务自控力的影响却探讨不足。本研究分析了个人财务属性对人寿保险需求的影响,并在此过程中探讨了这些态度对不同世代(即沉默的一代、婴儿潮一代、X一代和千禧一代)的影响是否有所不同。数据来源于财务能力调查,包括 7245 名西班牙人。多元分析的证据表明,标准的社会人口特征在解释个人成为人寿保险持有者的决定方面具有相关性。与此相反,证据并不支持财务自我控制和财务规划期限等行为变量之间存在统计意义上的显著关系。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Life insurance consumption across generations: The roles of financial knowledge, planning horizon, and self-control

Life insurance enhances households' capacity to absorb financial shocks and protects against personal risks that no one likes to contemplate. This is even more important in times of economic hardship such as now, when many Europe countries and particularly Spain are going through difficult times due to rising inflation, the war in Ukraine, and the ongoing COVID-19 pandemic. Although previous studies have analysed the driving forces of life insurance demand, the influence of the individual's financial planning horizon, financial knowledge, and financial self-control have been underexplored. This study analyses the influence of personal financial attributes on life insurance demand and, in so doing, explores whether the effects of such attitudes differ across different generational cohorts (i.e., the silent generation, baby boomers, Gen Xers, and millennials). The data, taken from the Survey of Financial Competences, comprises 7245 Spanish individuals. Evidence from multivariate analyses reflects the relevance of standard sociodemographic characteristics in explaining individuals' decisions to become life insurance holders. In contrast, evidence does not support a statistically significant relationship in the case of behavioural variables such as financial self-control and the financial planning horizon.

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来源期刊
CiteScore
5.70
自引率
6.90%
发文量
143
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