摘要
保险消费是保险业发展的原始动力。深入了解居民保险消费心理和消费行为是有效开发我国潜在巨大保险需求市场的前提。本文在问卷调查的基础上,采用因子和聚类分析方法,对影响保险消费行为的因素和不同保险消费群体进行分析,得出收入水平是限制保险消费的基础因素,但行业在培育公众风险和保险意识、提供有效供给和优质服务方面仍大有可为。
The insurance consumption is the original driving force for the development of the insurance industry. At present, having an in-depth understanding of the consumers＇insurance consumption mentality and consumption behav- iors is the prerequisite for effectively tapping the immense potential of the insurance market. Based on the relevant life insurance consuming behavior surveys, the paper conducted a research on factors affecting insurance consumption of different consumer groups, using factorial analysis and cluster analysis methods. The research came to the conclusion that income level was the fundamental factor constraining insurance consumption, but the industry could significantly boost insurance consumption through enhancing insurance and risk awareness, improving on the supply side and offer- ing quality services.
出处
《保险研究》
CSSCI
北大核心
2012年第8期53-59,共7页
Insurance Studies
关键词
人身保险
消费行为
影响分析
life insurance
consumption patterns
impact analysis
