Obscuring effect of income inequality and moderating role of financial literacy in the relationship between digital finance and China's household carbon emissions

Huang, Simin; Yang, Lin; Yang, Chen; Wang, Donghan; Li, Yiming

doi:10.1016/j.jenvman.2023.119927

Cited by 8 publications

(1 citation statement)

References 44 publications

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“…Referring to Qin et al ( 71 ), Hu et al ( 72 ), Yi et al ( 73 ), Zhu et al ( 74 ), and Huang et al ( 75 ), this study used digital financial data at the regional level and matched it at an individual level. The study utilized the digital insurance use depth index at both prefecture and city levels as proxy variables to gauge the level of digital finance development.…”

Section: Methods Data and Descriptive Statisticsmentioning

confidence: 99%

Can major public health emergencies increase the participation of commercial insurance? Evidence from China

Wang,

Guo,

et al. 2024

Front. Public Health

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BackgroundPublic health emergencies have a lasting impact on a country's economic and social development. However, commercial insurance can disperse these negative consequences and reduce risk losses.MethodBased on the Chinese Household Tracking Survey and Peking University Digital Inclusive Finance Index, this study employed a difference-in-differences model to test the impact of the COVID-19 outbreak on commercial insurance participation and the impact mechanism.ResultsThe analysis showed that the outbreak of COVID-19 improved residents' risk perception, risk preference and digital finance and promoted their participation in commercial insurance, commercial endowment insurance, and commercial medical insurance.ConclusionMajor public health emergencies can increase commercial insurance participation, but the promotional effect of commercial insurance on rural and low-income individuals is relatively limited. To tap into potential customers, financial institutions should focus on vulnerable societal groups. This study supplements the relevant literature on the impact of major public health emergencies on commercial insurance participation.

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