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Record W3081959843 · doi:10.1002/ijfe.2227

Internet and private insurance participation

2020· article· en· W3081959843 on OpenAlexaff
Zhifeng Liu, Wenquan Li, Tingting Zhang

Bibliographic record

VenueInternational Journal of Finance & Economics · 2020
Typearticle
Languageen
FieldBusiness, Management and Accounting
TopicFinancial Literacy, Pension, Retirement Analysis
Canadian institutionsUniversity of Windsor
FundersNatural Science Foundation of Hainan ProvinceNational Natural Science Foundation of China
KeywordsThe InternetPropensity score matchingInstrumental variableMatching (statistics)BusinessChinaPrivate information retrievalPrivate insuranceActuarial scienceEconomicsHealth insurancePolitical scienceEconomic growthEconometrics

Abstract

fetched live from OpenAlex

Abstract Since the Internet is an important information intermediary, this paper examines whether and how the Internet affects private insurance participation. Using national representative household survey data from China, we show that the Internet has a significant positive effect on households' private insurance participation. Then, we use both an instrumental variable analysis and propensity score matching to identify this causal effect. Furthermore, we find that this positive effect of the Internet is mainly driven by positive information on News Portals. In contrast, information regarding insurance on BBSs is usually negative and, thus, has a deterrent effect on insurance participation. Additionally, we examine the role of trust in these impacts. The results show that netizens with a high level of trust are more likely to purchase insurance, indicating that trusting the information received online is an essential factor for participating in private insurance.

Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.

How this classification was reachedexpand

Full frame machine prediction

Teacher imitation

Not calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.

metaresearch head score (Codex)0.001
metaresearch head score (Gemma)0.005
Version: metacan-v3-hybrid-931329e0061cValidation status: machine_predicted_unvalidated
Candidate categoriesnone
Consensus categoriesnone
DomainCandidate signal: none · Consensus signal: none
Study designCandidate signal: Observational · Consensus signal: Observational
GenreCandidate signal: Empirical · Consensus signal: Empirical
Teacher disagreement score0.009
Threshold uncertainty score0.032

Distilled classifier scores by category (both heads)

CategoryCodexGemma
Metaresearch0.0010.005
Meta-epidemiology (narrow)0.0000.000
Meta-epidemiology (broad)0.0000.000
Bibliometrics0.0010.001
Science and technology studies0.0000.000
Scholarly communication0.0010.001
Open science0.0000.001
Research integrity0.0000.001
Insufficient payload (model declined to judge)0.0090.001

Machine scores (provisional)

The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.

Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.

Opus teacher head0.025
GPT teacher head0.234
Teacher spread0.209 · how far apart the two teachers sit on this one work
Validation statusscore_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it

Classification

machine, unvalidated

Machine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.

The models applied no category: nothing in the taxonomy fit this work.
Study designObservational
Domainnot available
GenreEmpirical

How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".

Quick stats

Citations23
Published2020
Admission routes1
Has abstractyes

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