Against the backdrop of the Healthy China strategy,the insurance behavior of young consumers presents new characteristics such as enhanced autonomy,a shift toward proactive risk management,stronger personalized demand...Against the backdrop of the Healthy China strategy,the insurance behavior of young consumers presents new characteristics such as enhanced autonomy,a shift toward proactive risk management,stronger personalized demands,and higher expectations for online experiences.In response to changes in young consumers'risk awareness and consumption philosophy,this paper analyzes influencing factors from four dimensions:economic income,risk perception,social environment,and internet penetration.It proposes that insurance companies should focus on digital innovation,precise product development,social platform marketing,and popularization of insurance education,to promote the transformation of young people’s insurance demand from passive risk transfer to proactive long-term planning,and to help the insurance industry and young groups achieve win-win development.展开更多
Taking Luochuan County of Shaanxi Province as an example,the factors that affect farmers'behaviors on participating in insurance is analyzed and evaluated according to the questionnaires and by selecting the index...Taking Luochuan County of Shaanxi Province as an example,the factors that affect farmers'behaviors on participating in insurance is analyzed and evaluated according to the questionnaires and by selecting the indexes covering household features,agricultural production risks,the attitudes of rural households towards risks and the transaction cost of participating insurance and by using Logistic regression model.The results show that comparing with insurance company,the government has larger influence on farmers'behaviors on participating insurance;the premium of agricultural insurance does not obstruct farmers'participation in insurance;the bad-handled relations between the government and insurance company have bad effects on the development of local agricultural insurance.In order to promote farmers to participate in agricultural insurance,the relevant countermeasures are put forward:firstly,increasing the investment on rural education and improving cultural level of farmers;secondly,intensifying the promotion on agricultural insurance;thirdly,reasonably planning the duties and rights of the government and the insurance company;fourthly,vigorously encouraging the farmers to conduct scale production of apple and form the scale economy.展开更多
文摘Against the backdrop of the Healthy China strategy,the insurance behavior of young consumers presents new characteristics such as enhanced autonomy,a shift toward proactive risk management,stronger personalized demands,and higher expectations for online experiences.In response to changes in young consumers'risk awareness and consumption philosophy,this paper analyzes influencing factors from four dimensions:economic income,risk perception,social environment,and internet penetration.It proposes that insurance companies should focus on digital innovation,precise product development,social platform marketing,and popularization of insurance education,to promote the transformation of young people’s insurance demand from passive risk transfer to proactive long-term planning,and to help the insurance industry and young groups achieve win-win development.
基金Supported by Shaanxi Social Science Fund(09E045)
文摘Taking Luochuan County of Shaanxi Province as an example,the factors that affect farmers'behaviors on participating in insurance is analyzed and evaluated according to the questionnaires and by selecting the indexes covering household features,agricultural production risks,the attitudes of rural households towards risks and the transaction cost of participating insurance and by using Logistic regression model.The results show that comparing with insurance company,the government has larger influence on farmers'behaviors on participating insurance;the premium of agricultural insurance does not obstruct farmers'participation in insurance;the bad-handled relations between the government and insurance company have bad effects on the development of local agricultural insurance.In order to promote farmers to participate in agricultural insurance,the relevant countermeasures are put forward:firstly,increasing the investment on rural education and improving cultural level of farmers;secondly,intensifying the promotion on agricultural insurance;thirdly,reasonably planning the duties and rights of the government and the insurance company;fourthly,vigorously encouraging the farmers to conduct scale production of apple and form the scale economy.
