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引用次数: 0
摘要
社会信任度低是否会增加人们的不安全感和购买保险的愿望,或者是否会使人们转向非正式网络寻求安全网?虽然普遍社会信任是解释保险购买的一个重要变量,但现有文献对其对人口保险需求影响的描述却相互矛盾。本研究采用混合方法研究设计,将大 N 值跨国数据的多元回归与阿塞拜疆的定性案例研究相结合,对 93 个新兴市场中社会信任对自愿购买医疗保险的影响进行了系统的分析测量。文章发现,在统计学上,普遍信任对自愿购买医疗保险有显著的积极影响。研究结果表明,在社会信任度较低的国家,人们倾向于非正式的安全网,而不是与保险公司签订正式合同。
Cost of a Policy: Social Trust and Health Insurance Uptake in Azerbaijan and Emerging Markets
Do low levels of social trust increase a population’s sense of insecurity and desire to get an insurance policy or alternatively make it turn to informal networks for safety nets? While generalized social trust is an important variable to explain insurance uptake, the existing literature offers conflicting accounts of its impact on a population’s insurance demand. By employing a mixed-methods research design that combines multivariate regression of large-N cross-country data with a qualitative case study of Azerbaijan, the study provides a systematic analytical measurement of the impact of social trust on the voluntary purchase of health insurance in 93 emerging markets. The article finds a statistically significant positive effect of generalized trust on voluntary health insurance purchases. The findings suggest that in countries with a low level of social trust, people favor informal safety nets rather than formal contracts with insurance firms.
期刊介绍:
Caucasus Survey is a new peer-reviewed, multidisciplinary and independent journal, concerned with the study of the Caucasus – the independent republics of Armenia, Azerbaijan and Georgia, de facto entities in the area and the North Caucasian republics and regions of the Russian Federation. Also covered are issues relating to the Republic of Kalmykia, Crimea, the Cossacks, Nogays, and Caucasian diasporas. Caucasus Survey aims to advance an area studies tradition in the humanities and social sciences about and from the Caucasus, connecting this tradition with core disciplinary concerns in the fields of history, political science, sociology, anthropology, cultural and religious studies, economics, political geography and demography, security, war and peace studies, and social psychology. Research enhancing understanding of the region’s conflicts and relations between the Russian Federation and the Caucasus, internationally and domestically with regard to the North Caucasus, features high in our concerns.