社會階層、社會資本與我國城鄉(xiāng)居民商業(yè)保險購買行為基于CGSS的調(diào)查數(shù)據(jù)

社會階層、社會資本與我國城鄉(xiāng)居民商業(yè)保險購買行為基于CGSS的調(diào)查數(shù)據(jù)一、本文概述Overviewofthisarticle隨著中國社會經(jīng)濟的持續(xù)發(fā)展，商業(yè)保險在保障民生、促進社會穩(wěn)定中發(fā)揮著越來越重要的作用。然而，城鄉(xiāng)之間在商業(yè)保險購買行為上存在的差異，不僅揭示了社會階層和社會資本對于個人經(jīng)濟行為的影響，也反映了我國在保險市場發(fā)展中的不均衡現(xiàn)象。本文旨在通過基于中國綜合社會調(diào)查（CGSS）的數(shù)據(jù)，深入探討社會階層、社會資本對我國城鄉(xiāng)居民商業(yè)保險購買行為的影響，以期為優(yōu)化保險市場結(jié)構(gòu)、提升保險覆蓋率、促進保險業(yè)的健康發(fā)展提供理論支持和政策建議。WiththecontinuousdevelopmentofChina'ssocialeconomy,commercialinsuranceplaysanincreasinglyimportantroleinsafeguardingpeople'slivelihoodsandpromotingsocialstability.However,thedifferencesincommercialinsurancepurchasingbehaviorbetweenurbanandruralareasnotonlyrevealtheimpactofsocialclassandsocialcapitalonindividualeconomicbehavior,butalsoreflecttheunevendevelopmentofChina'sinsurancemarket.ThisarticleaimstoexploreindepththeimpactofsocialclassandsocialcapitalonthecommercialinsurancepurchasingbehaviorofurbanandruralresidentsinChinabasedondatafromtheChinaComprehensiveSocialSurvey(CGSS),inordertoprovidetheoreticalsupportandpolicyrecommendationsforoptimizingtheinsurancemarketstructure,improvinginsurancecoverage,andpromotingthehealthydevelopmentoftheinsuranceindustry.具體來說，本文首先對社會階層和社會資本的概念進行界定，并梳理國內(nèi)外關于社會階層、社會資本與商業(yè)保險購買行為的相關研究，為后續(xù)的實證分析提供理論基礎。接著，利用CGSS的豐富數(shù)據(jù)資源，通過描述性統(tǒng)計和多元回歸分析等方法，實證檢驗社會階層、社會資本對城鄉(xiāng)居民商業(yè)保險購買行為的影響機制。在此基礎上，進一步分析城鄉(xiāng)之間在商業(yè)保險購買行為上的差異及其背后的社會因素。根據(jù)研究結(jié)果，提出促進商業(yè)保險普及、縮小城鄉(xiāng)差距、優(yōu)化保險市場結(jié)構(gòu)的對策建議。Specifically,thisarticlefirstdefinestheconceptsofsocialclassandsocialcapital,andreviewsrelevantresearchonsocialclass,socialcapital,andcommercialinsurancepurchasingbehaviorbothdomesticallyandinternationally,providingatheoreticalbasisforsubsequentempiricalanalysis.Next,utilizingtherichdataresourcesofCGSS,weempiricallytesttheimpactmechanismofsocialclassandsocialcapitalonthecommercialinsurancepurchasingbehaviorofurbanandruralresidentsthroughdescriptivestatisticsandmultipleregressionanalysis.Onthisbasis,furtheranalyzethedifferencesincommercialinsurancepurchasingbehaviorbetweenurbanandruralareasandthesocialfactorsbehindthem.Basedontheresearchresults,proposecountermeasuresandsuggestionstopromotethepopularizationofcommercialinsurance,narrowtheurban-ruralgap,andoptimizethestructureoftheinsurancemarket.本文的研究不僅有助于深入理解社會階層和社會資本對商業(yè)保險購買行為的影響，而且對于推動保險業(yè)的健康發(fā)展、實現(xiàn)保險市場的均衡布局具有重要的現(xiàn)實意義。Thisstudynotonlyhelpstogainadeeperunderstandingoftheimpactofsocialclassandcapitaloncommercialinsurancepurchasingbehavior,butalsohasimportantpracticalsignificanceforpromotingthehealthydevelopmentoftheinsuranceindustryandachievingabalancedlayoutoftheinsurancemarket.二、文獻綜述Literaturereview隨著中國經(jīng)濟社會的快速發(fā)展，商業(yè)保險在社會保障體系中的作用日益凸顯。社會階層與社會資本作為影響個體行為的重要因素，在商業(yè)保險購買行為中扮演著不可忽視的角色。國內(nèi)外學者對于社會階層、社會資本與商業(yè)保險購買行為的關系進行了深入研究，形成了豐富的理論成果。WiththerapiddevelopmentofChina'seconomyandsociety,theroleofcommercialinsuranceinthesocialsecuritysystemisbecomingincreasinglyprominent.Socialclassandsocialcapital,asimportantfactorsinfluencingindividualbehavior,playanindispensableroleincommercialinsurancepurchasingbehavior.Domesticandforeignscholarshaveconductedin-depthresearchontherelationshipbetweensocialclass,socialcapital,andcommercialinsurancepurchasingbehavior,formingrichtheoreticalachievements.在社會階層方面，不同學者采用了不同的階層劃分標準，如職業(yè)、收入、教育等，探討了社會階層對商業(yè)保險購買行為的影響。一些研究發(fā)現(xiàn)，社會階層較高的群體往往擁有更多的財富和更高的風險承受能力，因此更有可能購買商業(yè)保險。而社會階層較低的群體由于經(jīng)濟條件的限制，購買商業(yè)保險的可能性較低。這些研究揭示了社會階層與商業(yè)保險購買行為之間的正相關關系。Intermsofsocialclass,differentscholarshaveadopteddifferentclassificationstandards,suchasoccupation,income,education,etc.,toexploretheimpactofsocialclassoncommercialinsurancepurchasingbehavior.Somestudieshavefoundthatgroupswithhighersocialclassesoftenhavemorewealthandhigherrisktolerance,makingthemmorelikelytopurchasecommercialinsurance.However,groupswithlowersocialclassesarelesslikelytopurchasecommercialinsuranceduetoeconomicconstraints.Thesestudiesrevealapositivecorrelationbetweensocialclassandcommercialinsurancepurchasingbehavior.在社會資本方面，學者們普遍認為社會資本是指個體或團體在社會網(wǎng)絡中獲取資源的能力。社會資本的高低會影響個體的風險認知、信任程度和社交互動，從而影響商業(yè)保險的購買行為。一些研究發(fā)現(xiàn)，社會資本較高的個體往往擁有更廣泛的社會網(wǎng)絡，更容易獲取保險信息和信任保險機構(gòu)，因此更有可能購買商業(yè)保險。而社會資本較低的個體由于缺乏社會資源和信任，購買商業(yè)保險的可能性較低。這些研究揭示了社會資本與商業(yè)保險購買行為之間的正相關關系。Intermsofsocialcapital,scholarsgenerallybelievethatsocialcapitalreferstotheabilityofindividualsorgroupstoacquireresourcesinsocialnetworks.Thelevelofsocialcapitalcanaffectanindividual'sriskperception,trustlevel,andsocialinteraction,therebyaffectingthepurchasingbehaviorofcommercialinsurance.Somestudieshavefoundthatindividualswithhighersocialcapitaloftenhaveawidersocialnetwork,aremorelikelytoaccessinsuranceinformationandtrustinsuranceinstitutions,andarethereforemorelikelytopurchasecommercialinsurance.Individualswithlowersocialcapitalarelesslikelytopurchasecommercialinsuranceduetoalackofsocialresourcesandtrust.Thesestudiesrevealapositivecorrelationbetweensocialcapitalandcommercialinsurancepurchasingbehavior.還有一些研究關注了社會階層與社會資本的交互作用對商業(yè)保險購買行為的影響。這些研究發(fā)現(xiàn)，社會階層和社會資本在影響商業(yè)保險購買行為時存在交互效應。具體來說，社會階層較高的群體如果同時擁有較高的社會資本，他們購買商業(yè)保險的可能性會更高；而社會階層較低的群體如果社會資本也較低，他們購買商業(yè)保險的可能性則會更低。這些研究揭示了社會階層與社會資本在商業(yè)保險購買行為中的共同作用。Somestudieshavealsofocusedontheimpactoftheinteractionbetweensocialclassandsocialcapitaloncommercialinsurancepurchasingbehavior.Thesestudieshavefoundthatthereisaninteractiveeffectbetweensocialclassandsocialcapitalininfluencingcommercialinsurancepurchasingbehavior.Specifically,groupswithhighersocialclassesaremorelikelytopurchasecommercialinsuranceiftheyalsohavehighersocialcapital;Andgroupswithlowersocialclassesarelesslikelytopurchasecommercialinsuranceiftheirsocialcapitalisalsolower.Thesestudiesrevealthejointroleofsocialclassandsocialcapitalincommercialinsurancepurchasingbehavior.社會階層和社會資本是影響我國城鄉(xiāng)居民商業(yè)保險購買行為的重要因素。通過文獻綜述可以發(fā)現(xiàn)，社會階層較高的群體和社會資本較高的個體更有可能購買商業(yè)保險。社會階層與社會資本在影響商業(yè)保險購買行為時存在交互效應。未來的研究可以進一步探討社會階層與社會資本的具體作用機制以及如何通過提高社會階層和社會資本來促進商業(yè)保險的普及和發(fā)展。隨著中國社會經(jīng)濟的不斷變化和發(fā)展，商業(yè)保險市場的需求和結(jié)構(gòu)也在不斷變化，因此還需要關注新的社會經(jīng)濟因素對商業(yè)保險購買行為的影響，以便更全面地理解我國城鄉(xiāng)居民商業(yè)保險購買行為的特征和趨勢。SocialclassandsocialcapitalareimportantfactorsaffectingthepurchasingbehaviorofcommercialinsuranceforurbanandruralresidentsinChina.Throughliteraturereview,itcanbefoundthatgroupswithhighersocialclassesandindividualswithhighersocialcapitalaremorelikelytopurchasecommercialinsurance.Thereisaninteractiveeffectbetweensocialclassandsocialcapitalininfluencingcommercialinsurancepurchasingbehavior.Futureresearchcanfurtherexplorethespecificmechanismsofsocialclassandsocialcapital,aswellashowtopromotethepopularizationanddevelopmentofcommercialinsurancebyimprovingsocialclassandsocialcapital.WiththecontinuouschangesanddevelopmentofChina'ssocio-economicsituation,thedemandandstructureofthecommercialinsurancemarketarealsoconstantlychanging.Therefore,itisnecessarytopayattentiontotheimpactofnewsocio-economicfactorsonthepurchasingbehaviorofcommercialinsurance,inordertohaveamorecomprehensiveunderstandingofthecharacteristicsandtrendsofcommercialinsurancepurchasingbehavioramongurbanandruralresidentsinChina.三、理論框架與研究假設Theoreticalframeworkandresearchhypotheses社會階層和社會資本理論在解釋個體和群體行為方面具有重要的價值。社會階層不僅反映了個人或群體在社會結(jié)構(gòu)中的位置，還體現(xiàn)了其經(jīng)濟、文化和社會資源的占有情況。社會資本則強調(diào)了個體或群體通過社會關系網(wǎng)絡獲取和利用資源的能力。在商業(yè)保險購買行為的研究中，社會階層和社會資本兩個因素相互交織，共同影響個體的決策。Thetheoryofsocialclassandsocialcapitalhasimportantvalueinexplainingindividualandgroupbehavior.Socialclassnotonlyreflectsthepositionofindividualsorgroupsinthesocialstructure,butalsoreflectstheirpossessionofeconomic,cultural,andsocialresources.Socialcapitalemphasizestheabilityofindividualsorgroupstoacquireandutilizeresourcesthroughsocialnetworks.Inthestudyofcommercialinsurancepurchasingbehavior,socialclassandsocialcapitalareintertwinedandjointlyaffectindividualdecision-making.社會階層高的群體往往擁有更多的經(jīng)濟資源和文化資本，這使得他們更有可能購買商業(yè)保險以規(guī)避潛在的風險。同時，社會階層高的群體通常也擁有更廣泛的社會關系網(wǎng)絡，這為他們提供了更多的信息渠道和更豐富的資源，從而進一步促進了商業(yè)保險的購買。Groupswithhighersocialclassesoftenhavemoreeconomicresourcesandculturalcapital,whichmakesthemmorelikelytopurchasecommercialinsurancetoavoidpotentialrisks.Atthesametime,groupswithhighersocialclassesoftenhaveawidersocialnetwork,whichprovidesthemwithmoreinformationchannelsandricherresources,furtherpromotingthepurchaseofcommercialinsurance.另一方面，社會資本也對商業(yè)保險購買行為產(chǎn)生重要影響。個體所擁有的社會資本越豐富，其通過社會關系網(wǎng)絡獲取保險信息、評估保險產(chǎn)品和服務的能力就越強。這不僅能夠提高個體對商業(yè)保險的認知度和信任度，還能夠降低購買商業(yè)保險的交易成本和風險。Ontheotherhand,socialcapitalalsohasasignificantimpactoncommercialinsurancepurchasingbehavior.Thericheranindividual'ssocialcapital,thestrongertheirabilitytoobtaininsuranceinformation,evaluateinsuranceproductsandservicesthroughsocialnetworks.Thiscannotonlyincreaseindividualawarenessandtrustincommercialinsurance,butalsoreducethetransactioncostsandrisksofpurchasingcommercialinsurance.社會階層對城鄉(xiāng)居民商業(yè)保險購買行為具有顯著影響。具體而言，社會階層越高的城鄉(xiāng)居民，其購買商業(yè)保險的可能性越大。Socialclasshasasignificantimpactonthepurchasingbehaviorofcommercialinsuranceforurbanandruralresidents.Specifically,urbanandruralresidentswithhighersocialclassesaremorelikelytopurchasecommercialinsurance.社會資本對城鄉(xiāng)居民商業(yè)保險購買行為具有顯著影響。具體而言，社會資本越豐富的城鄉(xiāng)居民，其購買商業(yè)保險的可能性越大。Socialcapitalhasasignificantimpactonthepurchasingbehaviorofcommercialinsuranceforurbanandruralresidents.Specifically,urbanandruralresidentswithrichersocialcapitalaremorelikelytopurchasecommercialinsurance.社會階層和社會資本在影響城鄉(xiāng)居民商業(yè)保險購買行為時存在交互效應。即社會階層和社會資本越高的城鄉(xiāng)居民，其購買商業(yè)保險的可能性更大。Thereisaninteractiveeffectbetweensocialclassandsocialcapitalininfluencingthepurchasingbehaviorofcommercialinsuranceforurbanandruralresidents.Urbanandruralresidentswithhighersocialclassandsocialcapitalaremorelikelytopurchasecommercialinsurance.為了驗證上述假設，本研究將利用CGSS的調(diào)查數(shù)據(jù)，運用統(tǒng)計分析方法，深入探討社會階層和社會資本對城鄉(xiāng)居民商業(yè)保險購買行為的影響機制。Inordertoverifytheabovehypothesis,thisstudywillusesurveydatafromCGSSandstatisticalanalysismethodstodeeplyexploretheimpactmechanismofsocialclassandsocialcapitalonthecommercialinsurancepurchasebehaviorofurbanandruralresidents.四、研究方法與變量設置Researchmethodsandvariablesettings本研究主要采用了定量研究的方法，利用中國綜合社會調(diào)查（CGSS）的豐富數(shù)據(jù)資源，對社會階層、社會資本與我國城鄉(xiāng)居民商業(yè)保險購買行為之間的關系進行了深入探究。CGSS作為一項全國性的大型社會調(diào)查項目，提供了涵蓋社會、經(jīng)濟、人口、健康等多方面的詳細數(shù)據(jù)，為本研究提供了堅實的基礎。ThisstudymainlyadoptsquantitativeresearchmethodsandutilizestherichdataresourcesoftheChinaComprehensiveSocialSurvey(CGSS)todeeplyexploretherelationshipbetweensocialclass,socialcapital,andcommercialinsurancepurchasingbehaviorofurbanandruralresidentsinChina.CGSS,asanationallarge-scalesocialsurveyproject,providesdetaileddatacoveringvariousaspectssuchassociety,economy,population,andhealth,providingasolidfoundationforthisstudy.社會階層變量。根據(jù)CGSS的問卷設計，我們采用了包括職業(yè)、收入、教育程度等在內(nèi)的多維度指標來衡量個體的社會階層。這些指標不僅能夠反映個體的經(jīng)濟地位，還能夠體現(xiàn)其社會地位和文化資本，從而更全面地揭示社會階層對商業(yè)保險購買行為的影響。Socialclassvariables.AccordingtothequestionnairedesignofCGSS,weusedmultidimensionalindicatorsincludingoccupation,income,educationlevel,etc.tomeasureanindividual'ssocialclass.Theseindicatorscannotonlyreflectanindividual'seconomicstatus,butalsotheirsocialstatusandculturalcapital,thusmorecomprehensivelyrevealingtheinfluenceofsocialclassoncommercialinsurancepurchasingbehavior.社會資本變量。社會資本作為一個復雜的概念，本研究通過CGSS問卷中的社交網(wǎng)絡、社會信任、社區(qū)參與等問題來衡量。這些變量能夠反映個體在社會網(wǎng)絡中的位置、信任和合作程度，以及其與社區(qū)的聯(lián)系緊密程度，從而揭示社會資本對商業(yè)保險購買行為的潛在影響。Socialcapitalvariables.Socialcapital,asacomplexconcept,ismeasuredinthisstudythroughquestionssuchassocialnetworks,socialtrust,andcommunityparticipationinCGSSquestionnaires.Thesevariablescanreflectanindividual'sposition,leveloftrustandcooperationinthesocialnetwork,aswellastheirlevelofclosenesstothecommunity,therebyrevealingthepotentialimpactofsocialcapitaloncommercialinsurancepurchasingbehavior.商業(yè)保險購買行為變量。本研究主要關注了城鄉(xiāng)居民是否購買商業(yè)保險、購買的商業(yè)保險類型以及購買商業(yè)保險的頻率等幾個方面。這些變量能夠直接反映個體的商業(yè)保險購買行為，是研究的核心內(nèi)容。Commercialinsurancepurchasebehaviorvariables.Thisstudymainlyfocusesonwhetherurbanandruralresidentspurchasecommercialinsurance,thetypesofcommercialinsurancetheypurchase,andthefrequencyofpurchasingcommercialinsurance.Thesevariablescandirectlyreflecttheindividual'scommercialinsurancepurchasingbehavior,whichisthecorecontentofthestudy.在數(shù)據(jù)處理和分析方面，本研究采用了描述性統(tǒng)計、相關性分析和回歸分析等方法。通過描述性統(tǒng)計對樣本的基本情況進行了描述；通過相關性分析初步探討了社會階層、社會資本與商業(yè)保險購買行為之間的關系；通過回歸分析進一步揭示了各變量之間的內(nèi)在聯(lián)系和影響機制。Intermsofdataprocessingandanalysis,thisstudyemployedmethodssuchasdescriptivestatistics,correlationanalysis,andregressionanalysis.Descriptivestatisticswereusedtodescribethebasicsituationofthesample;Throughcorrelationanalysis,therelationshipbetweensocialclass,socialcapital,andcommercialinsurancepurchasingbehaviorwaspreliminarilyexplored;Throughregressionanalysis,theintrinsicconnectionsandinfluencingmechanismsbetweenvariousvariableswerefurtherrevealed.本研究在方法選擇和變量設置上充分考慮了研究的主題和目標，力求通過科學、合理的方法和數(shù)據(jù)分析來揭示社會階層、社會資本與城鄉(xiāng)居民商業(yè)保險購買行為之間的關系。Thisstudyfullyconsideredtheresearchthemeandobjectivesinmethodselectionandvariablesetting,aimingtorevealtherelationshipbetweensocialclass,socialcapital,andcommercialinsurancepurchasingbehaviorofurbanandruralresidentsthroughscientificandreasonablemethodsanddataanalysis.五、數(shù)據(jù)分析與結(jié)果Dataanalysisandresults基于CGSS（中國綜合社會調(diào)查）的豐富數(shù)據(jù)資源，我們進行了深入的數(shù)據(jù)分析，以揭示社會階層、社會資本與城鄉(xiāng)居民商業(yè)保險購買行為之間的關系。BasedontherichdataresourcesofCGSS(ChinaComprehensiveSocialSurvey),weconductedin-depthdataanalysistorevealtherelationshipbetweensocialclass,socialcapital,andcommercialinsurancepurchasingbehaviorofurbanandruralresidents.我們利用描述性統(tǒng)計方法，對不同社會階層的居民購買商業(yè)保險的比例進行了對比。結(jié)果顯示，社會階層較高的群體購買商業(yè)保險的比例明顯高于較低階層，這表明社會階層對商業(yè)保險購買行為存在顯著影響。同時，我們也發(fā)現(xiàn)，社會資本在不同社會階層的分布存在差異，社會資本較高的群體更有可能購買商業(yè)保險。Weuseddescriptivestatisticalmethodstocomparetheproportionofresidentsfromdifferentsocialclasseswhopurchasecommercialinsurance.Theresultsshowthattheproportionofhighersocialclassespurchasingcommercialinsuranceissignificantlyhigherthanthatoflowersocialclasses,indicatingthatsocialclasseshaveasignificantimpactonthepurchasingbehaviorofcommercialinsurance.Atthesametime,wealsofoundthattherearedifferencesinthedistributionofsocialcapitalamongdifferentsocialclasses,andgroupswithhighersocialcapitalaremorelikelytopurchasecommercialinsurance.為了更深入地探討社會階層、社會資本與商業(yè)保險購買行為之間的關系，我們運用多元線性回歸模型進行分析。結(jié)果顯示，社會階層和社會資本均對商業(yè)保險購買行為具有正向影響。具體來說，社會階層越高，居民購買商業(yè)保險的可能性越大；社會資本越豐富，居民購買商業(yè)保險的意愿也越強。這一結(jié)果驗證了我們的研究假設，即社會階層和社會資本是影響城鄉(xiāng)居民商業(yè)保險購買行為的重要因素。Inordertofurtherexploretherelationshipbetweensocialclass,socialcapital,andcommercialinsurancepurchasingbehavior,weuseamultiplelinearregressionmodelforanalysis.Theresultsshowthatbothsocialclassandsocialcapitalhaveapositiveimpactoncommercialinsurancepurchasingbehavior.Specifically,thehigherthesocialclass,thegreaterthelikelihoodthatresidentswillpurchasecommercialinsurance;Thericherthesocialcapital,thestrongerthewillingnessofresidentstopurchasecommercialinsurance.Thisresultconfirmsourresearchhypothesisthatsocialclassandsocialcapitalareimportantfactorsaffectingthepurchasingbehaviorofcommercialinsuranceamongurbanandruralresidents.我們還考察了其他可能影響商業(yè)保險購買行為的因素，如年齡、性別、教育程度等。結(jié)果表明，這些因素也對商業(yè)保險購買行為產(chǎn)生了一定影響，但相比之下，社會階層和社會資本的影響更為顯著。Wealsoexaminedotherfactorsthatmayaffectcommercialinsurancepurchasingbehavior,suchasage,gender,educationlevel,etc.Theresultsindicatethatthesefactorsalsohaveacertainimpactoncommercialinsurancepurchasingbehavior,butincomparison,theinfluenceofsocialclassandsocialcapitalismoresignificant.我們對不同城鄉(xiāng)地區(qū)的居民進行了對比分析。結(jié)果顯示，城市居民購買商業(yè)保險的比例高于農(nóng)村居民，這可能與城市居民更高的社會階層和社會資本水平有關。我們也發(fā)現(xiàn)，在農(nóng)村地區(qū)，社會階層和社會資本對商業(yè)保險購買行為的影響更為顯著，這可能是因為農(nóng)村地區(qū)的社會階層差異和社會資本分布更為突出。Weconductedacomparativeanalysisofresidentsindifferenturbanandruralareas.Theresultsshowthattheproportionofurbanresidentspurchasingcommercialinsuranceishigherthanthatofruralresidents,whichmayberelatedtothehighersocialclassandsocialcapitallevelofurbanresidents.Wealsofoundthatinruralareas,socialclassandsocialcapitalhaveamoresignificantimpactoncommercialinsurancepurchasingbehavior,whichmaybeduetothemoreprominentsocialclassdifferencesanddistributionofsocialcapitalinruralareas.我們的研究結(jié)果表明，社會階層和社會資本是影響城鄉(xiāng)居民商業(yè)保險購買行為的重要因素。在未來的研究中，我們可以進一步探討如何通過提高社會階層和社會資本水平來促進商業(yè)保險的普及和發(fā)展。Ourresearchfindingsindicatethatsocialclassandsocialcapitalareimportantfactorsaffectingthepurchasingbehaviorofcommercialinsuranceamongurbanandruralresidents.Infutureresearch,wecanfurtherexplorehowtopromotethepopularizationanddevelopmentofcommercialinsurancebyimprovingsocialclassandsocialcapitallevels.六、研究結(jié)論與政策建議Researchconclusionsandpolicyrecommendations本研究基于CGSS的調(diào)查數(shù)據(jù)，深入探討了社會階層、社會資本與我國城鄉(xiāng)居民商業(yè)保險購買行為之間的關系。通過實證分析，我們得出以下主要ThisstudyisbasedonCGSSsurveydataandexploresindepththerelationshipbetweensocialclass,socialcapital,andcommercialinsurancepurchasingbehaviorofurbanandruralresidentsinChina.Throughempiricalanalysis,wehavecometothefollowingconclusions:社會階層對城鄉(xiāng)居民商業(yè)保險購買行為具有顯著影響。較高社會階層的居民由于擁有更多的經(jīng)濟資源和社會地位，更傾向于購買商業(yè)保險，以此作為風險管理和資產(chǎn)增值的手段。而較低社會階層的居民由于經(jīng)濟條件的限制，對商業(yè)保險的需求和購買能力相對較低。Socialclasshasasignificantimpactonthepurchasingbehaviorofcommercialinsuranceforurbanandruralresidents.Residentsofhighersocialclasses,duetotheirgreatereconomicresourcesandsocialstatus,aremoreinclinedtopurchasecommercialinsuranceasameansofriskmanagementandassetappreciation.However,residentsfromlowersocialclasseshaverelativelylowdemandandpurchasingpowerforcommercialinsuranceduetoeconomicconstraints.社會資本在商業(yè)保險購買行為中也扮演了重要角色。個體的社交網(wǎng)絡、信任和互惠規(guī)范等社會資本因素能夠促進商業(yè)保險的購買。特別是在社會信任度較高的地區(qū)，居民更愿意相信保險公司的承諾，從而增加購買商業(yè)保險的可能性。Socialcapitalalsoplaysanimportantroleincommercialinsurancepurchasingbehavior.Individualsocialcapitalfactorssuchassocialn