Social Interaction,Social Capital and Commercial Insurance Purchase
利用2004年广东省家庭调查数据，研究发现社会资本促进家庭参与商业保险市场，而社会互动的影响不显著，高收入家庭参与更积极。
By utilizing a unique household survey data of 2004 in Guangdong province,this paper examines the social interaction and social capital arguments for household's commercial insurance purchase.It is find that social interaction does not exert significant effect on household's insurance market participation,while social capital promotes households participation in commercial insurance market.Moreover,people with higher income tend to participate in the commercial insurance market more actively.Finally,the authors point out that the improvement of insurance industry;higher levels of social capital and trust are necessary and important for the households insurance market participation and the development of insurance industry.