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The ageing population, dependency burdens and household commercial insurance purchase: evidence from China

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  • Guanhua Li
  • Zhiyuan Li
  • Xue Lv

Abstract

This paper presents evidence that dependency burdens play a key role in commercial insurance market in China. It is found that the child dependency ratio has a positive effect on the households’ demand for commercial insurance, whereas the old-age dependency ratio has the negative effect. Furthermore, child dependency ratio of the eastern and high-income households in China has a larger influence on commercial insurance purchase, while the old-age dependency ratio has the less impact. Our findings provide useful insights for the important issue of the ageing population and low birth-rate in China.

Suggested Citation

  • Guanhua Li & Zhiyuan Li & Xue Lv, 2021. "The ageing population, dependency burdens and household commercial insurance purchase: evidence from China," Applied Economics Letters, Taylor & Francis Journals, vol. 28(4), pages 294-298, February.
    • Handle: RePEc:taf:apeclt:v:28:y:2021:i:4:p:294-298
    DOI: 10.1080/13504851.2020.1752360
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    Cited by:

    1. Meiting Liu & Aki Koivula, 2021. "Silver Spoon and Green Lifestyle: A National Study of the Association between Childhood Subjective Socioeconomic Status and Adulthood Pro-Environmental Behavior in China," Sustainability, MDPI, vol. 13(14), pages 1-14, July.
    2. Chen, Chen & Gan, Christopher & Li, Junpeng & Lu, Yao & Rahut, Dil, 2023. "Linking farmers to markets: Does cooperative membership facilitate e-commerce adoption and income growth in rural China?," Economic Analysis and Policy, Elsevier, vol. 80(C), pages 1155-1170.
    3. Nana Xu & Zhao Rong & Li Yu, 2024. "Credit cards and commercial insurance participation: Evidence from urban households in China," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 64(1), pages 1159-1182, March.

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