内地居民赴香港购买保险产品影响因素研究

发布时间：2018-03-28 18:51

本文选题：跨境购物　切入点：香港保险　出处：《首都经济贸易大学》2017年硕士论文

【摘要】：近年来,随着内地居民收入水平和保险意识的提高,跨境到香港买保险已成为越来越多的内地居民保险消费的新选择。根据香港保险业监理处统计数据显示,2014年,香港寿险业共向内地居民签发了15.9万张新保单,新单保费达243.5亿港币。而在2016年前三季度,这组数据则变成了27.7万张新保单与489.4亿港币新单保费。在不到两年的时间内,保费便增长了一倍有余。内地居民的这种行为,不仅可能使其所购保单无效甚至违反外汇监管法规,还会使内地寿险公司失去大量优质客户与保费,进而对部分区域的业务稳定性造成不良影响。所以,对此行为进行研究,找出影响内地居民做出赴港投保决策的因素,不仅可以帮助内地保险公司、监管部门和学术界了解当下火热的内地居民赴港购买保险的行为,及其背后更深层次的问题,更有利于内地寿险公司进行有针对性的改革,以增强内地市场竞争力,为内地居民提供更好的保险服务。全文共分五章,第一章为绪论。第二章对内地居民购买香港保险产品的行为进行辨析,并对历史进行梳理。第三章将跨境购物理论引入保险领域,分析了市场属性、消费者属性、投保风险属性对投保决策过程的影响,从定性的角度研究内地居民赴港投保决策的影响因素。第四章运用资产份额定价模型,从两地精算假设差异出发,讨论了赴港投保决策最重要的影响因素——费率与分红产生差异的原因,随后又对精算假设存在差异的原因进行了分析。第五章结合前文分析出的两地存在的差异,从保险监管、外汇监管、保险公司和消费者四个层面提出了相关建议。
[Abstract]:In recent years, with the improvement of income level and insurance awareness of mainland residents, buying insurance across the border has become a new choice for more and more mainland residents. According to the statistics of the Hong Kong Office of the Commissioner of Insurance, in 2014, The Hong Kong life insurance industry has issued 159000 Zhang Xin policies to mainland residents, with a new single premium of 24.35 billion Hong Kong dollars. In the first three quarters of 2016, the figures were 277000 Zhang Xin policies and 48.94 billion Hong Kong dollars new single premiums. In less than two years, The premium has more than doubled. The behavior of mainland residents may not only invalidate the insurance policies they buy or even violate the foreign exchange regulations, but will also cause the mainland life insurance companies to lose a large number of high quality customers and premiums. This will have a negative impact on the business stability of some regions. Therefore, to study this behavior and find out the factors that affect the decision of mainland residents to take insurance in Hong Kong can not only help the insurance companies in the mainland, Regulators and academics understand the current behavior of hot mainland residents to buy insurance in Hong Kong, and the deeper problems behind it, which is more conducive to the targeted reform of life insurance companies in the mainland in order to enhance the competitiveness of the mainland market. This paper is divided into five chapters, the first chapter is the introduction. The second chapter discriminates the behavior of mainland residents to buy Hong Kong insurance products. The third chapter introduces the theory of cross-border shopping into the field of insurance, and analyzes the influence of market attribute, consumer attribute and insurance risk attribute on the insurance decision-making process. From the qualitative point of view, this paper studies the influencing factors of the insurance policy of mainland residents in Hong Kong. Chapter four uses the asset share pricing model to start from the difference of actuarial assumptions between the two places. This paper discusses the reasons for the difference between the premium rate and the dividend, and then analyzes the reasons for the difference in actuarial assumptions. Chapter five combines the differences between the two places, and analyzes the reasons for the difference between the premium rate and the dividend. Chapter 5, based on the analysis of the differences between the two places, analyzes the reasons for the differences in the actuarial assumptions. Foreign exchange supervision, insurance companies and consumers put forward four levels of relevant recommendations.
【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】：F842.6

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