Shranjeno v:
| Glavni avtor: | |
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| Format: | Recurso digital |
| Jezik: | angleščina |
| Izdano: |
Zenodo
2025
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| Teme: | |
| Online dostop: | https://doi.org/10.5281/zenodo.15105154 |
| Oznake: |
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Kazalo:
- <p>With the increasingly severe problem of social aging, commercial pension insurance, as an important supplement to personal pension security, has become the focus of public attention. The rise of digital financial inclusion provides new opportunities for individuals to participate in commercial pension insurance, and financial literacy and financial development play a crucial role in this process. This paper explores the relationship between digital financial inclusion and the participation rate of individual commercial pension insurance. The results show that digital inclusive finance significantly improves the probability of residents participating in commercial pension insurance by providing convenient and low-cost financial services. At the same time, financial literacy and financial development play an important intermediary role in this process, helping residents better understand financial products, thereby increasing their willingness to participate in commercial pension insurance. In addition, personal characteristics, family status and regional economic factors also have a significant impact on the participation rate of commercial endowment insurance, healthy individuals, individuals participating in basic endowment insurance, women, individuals with more real estate and vehicles are more inclined to buy commercial endowment insurance, families with more children are less demanding for commercial endowment insurance, and the increase in government public budget expenditure also prompts residents to be more inclined to buy commercial endowment insurance. Further analysis shows that digital inclusive finance has a more significant promoting effect among non-party members, residents who often use the Internet, agricultural residents, urban residents, and residents in the eastern region. Overall, the rapid development of digital inclusive finance has provided a strong impetus for the participation of individual commercial pension insurance, and financial literacy and financial development have played a bridge role in this process, promoting residents' awareness and participation in commercial pension insurance. </p>