关键词: 独生子女, 商业保险, 社会互动, 信任

Abstract: The onechild （OC）policy is undoubtedly one of the most farreaching policies that has significantly impacted Chinese families and population structure in the past thirty years The unique “onechild” property of these individuals may influence families decisions regarding commercial insurance purchases through various channels Based on data from the China Family Panel Studies （CFPS），this paper shows that OCs are less likely to purchase family insurance compared to nonOCs To explain it，this paper delves into four primary channels：financial knowledge，risk attitude，social interaction，and trust The first two channels are closely related to the concept of risk diversification，while the latter two are connected to the inherent trust property of insurance due to information asymmetry However，the research finds no significant differences between OC and nonOC individuals concerning financial knowledge and risk attitude，even when considering their economic status Instead，the actual reasons are that OCs have fewer social interactions and lower degrees of trust than nonOCs Both aspects suggest that OCs are less socially active than nonOCs

Key words: one child, commercial insurance, social interaction, trust