互联网使用对居民商业养老保险消费的影响研究

作     者：周芯竹 张强 李隆林 

作者机构：上海工程技术大学管理学院上海 

出 版 物：《电子商务评论》 (E-Commerce Letters)

年 卷 期：2025年第14卷第1期

页      面：2250-2257页

学科分类：08[工学] 0812[工学-计算机科学与技术（可授工学、理学学位）] 

主　　题：互联网 商业养老保险 

摘      要：发展商业养老保险对构建与完善我国新时代的社会保障架构起到了不可或缺的推动作用。随着互联网的渗入,商业养老保险也迎来了新的发展机遇,更多居民会通过互联网了解商业养老保险并购买商业养老保险。因此本文探索互联网使用对于居民商业养老保险消费有着怎样的影响。研究发现互联网使用对居民购买商业养老保险的意愿及行为具有显著的正向效应,这意味着互联网不仅作为一个信息获取和交流的渠道,还作为一种推动因素,增强了居民对商业养老保险的认知与接受度。The development of commercial endowment insurance has played an indispensable role in promoting the construction and improvement of China’s social security structure in the new era. With the penetration of the Internet, commercial endowment insurance has also ushered in new development opportunities, and more residents will learn about commercial endowment insurance and purchase commercial endowment insurance through the Internet. Therefore, this paper explores the impact of Internet use on residents’ commercial pension insurance consumption. The study finds that the use of the Internet has a significant positive effect on the willingness and behavior of residents to purchase commercial endowment insurance, which means that the Internet is not only used as a channel for information acquisition and communication, but also as a driving factor to enhance the awareness and acceptance of commercial endowment insurance by residents.