认知能力、保险决策和劳动力供给行为：来自中国农村的证据。
Cognitive abilities, insurance decisions, and labor supply behavior: evidence from rural China.
机构信息
Central University of Finance and Economic, School of Insurance, Beijing, China.
出版信息
Front Public Health. 2024 Jun 28;12:1421600. doi: 10.3389/fpubh.2024.1421600. eCollection 2024.
INTRODUCTION
How cognitive abilities affect financial and economic decision is an important issue that has attracted the attention of economics.
METHOD
This paper uses the China Family Panel Studies (CFPS) 2010, 2014, and 2018 survey data to empirically test the impact of cognitive skills on the insurance participation decisions in rural China.
RESULTS AND DISCUSSION
The results show that higher word ability is correlated to higher social health insurance participation and both word and math ability leads to higher social pension participation. Mechanism analysis reveals that individuals with higher cognitive skills are more likely to be affected by peers in insurance decision, and higher cognitive skills increase personal income that enables them to enroll in the social insurance. Further investigation of labor supply behavior suggests that while cognitive skills positively affect non-agricultural labor participation, cognitive skills amplify the negative effect of social security on labor supply.
简介
认知能力如何影响金融和经济决策是一个重要问题，引起了经济学的关注。
方法
本文使用中国家庭追踪调查（CFPS）2010、2014 和 2018 年的调查数据，实证检验了认知技能对中国农村地区保险参与决策的影响。
结果与讨论
结果表明，较高的词汇能力与较高的社会医疗保险参与度相关，而词汇和数学能力都与较高的社会养老金参与度相关。机制分析表明，认知能力较高的个体在保险决策中更容易受到同伴的影响，较高的认知能力会增加个人收入，使他们能够参加社会保险。进一步对劳动力供给行为的调查表明，虽然认知能力对非农劳动力参与有正向影响，但认知能力会放大社会保障对劳动力供给的负向影响。
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