北京市居民养老社区保险消费意愿调查报告

发布时间：2018-02-12 01:07

本文关键词： 养老社区保险购买意愿显著性 Logistic回归模型　出处：《首都经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：面对我国日益严峻的老龄化趋势和不断加大的对养老服务的要求,无论是家庭养老还是社会养老都不能满足我国目前对养老的巨大需求,而保险公司经营的养老社区作为一种新型养老模式可以弥补以上两种养老方式的不足,减轻社会养老压力。因此,本文以目前我国养老社区的发展现状为背景,基于消费者的视角展开调研,分析北京市居民购买养老社区保险的消费意愿以及影响因素,进而根据调查结果进行分析总结,针对调查出的问题提出相应的解决对策和建议,可以为保险公司建设养老社区以及相关问题的研究提供参考依据。调查主要从三个方面进行:一是调查消费者个人基本信息对于其购买养老社区保险消费意愿的影响。二是调查消费者了解养老社区的程度以及养老社区的入住方式及意愿。三是调查消费者购买养老社区保险的价格和关注方面,为以后保险公司建设养老社区、设计养老社区保险产品提供参考依据。调查对象以北京市居民为主,受访年龄均在18周岁以上。根据调研结果和回归结果分析可得,影响消费者购买养老社区保险的因素主要有年龄、家庭年收入、文化程度、婚姻状况、同住人员、社保类型、地理位置和养老社区提供的服务设施。最后针对分析结果并结合我国养老社区的发展现状,从政策、保险公司、消费者三个方面提出相应的对策建议,期望养老社区更健康的发展。
[Abstract]:Facing the increasingly austere aging trend of our country and the ever-increasing demand for pension services, neither the family pension nor the social old-age support can meet the huge demand for the aged at present in our country. As a new mode of providing for the aged, insurance companies can make up for the deficiency of the above two ways and relieve the pressure of social endowment. Therefore, this paper takes the present situation of the development of the community for the aged in our country as the background. Based on the research of consumers, this paper analyzes the consumption intention and influencing factors of Beijing residents' purchase of community insurance for the aged, and then analyzes and summarizes the results of the investigation, and puts forward corresponding countermeasures and suggestions to solve the problems. Can provide reference basis for insurance company to build endowment community and related problem research. Investigation is carried out mainly from three aspects: one is to investigate consumer's personal basic information about their willingness to buy endowment community insurance. The second is to investigate the extent to which consumers understand the old-age community, and the way and willingness of the old-age community to move in. The third is to investigate the prices and concerns of consumers in purchasing pension community insurance. For the future insurance companies to build the pension community, the design of pension community insurance products to provide a reference basis. The survey is mainly based on Beijing residents, the age of the respondents are over 18 years old. According to the results of the survey and regression analysis can be obtained. The main factors that affect consumers' purchase of social insurance for the aged are age, annual family income, education, marital status, cohabitation, social security type, Finally, according to the results of the analysis and the current situation of the development of the pension community in China, the corresponding countermeasures and suggestions are put forward from three aspects: policy, insurance company and consumers. Look forward to a more healthy development of the pension community.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67

【参考文献】