车险费率改革背景下青岛市商业车险需求影响因素的研究

发布时间：2018-04-25 22:15

本文选题：车险费率改革 + 汽车保险需求　；参考：《青岛大学》2017年硕士论文

【摘要】：改革开放以来,我国保险业不断发展壮大,保险在经济社会中发挥的功能和作用越来越突出,尤其是商业车险在30多年间为经济社会发展和人民生活稳定提供了重要保障。另一方面我国财险市场仍存在保费结构失衡等问题,商业车险产品同质化和统一费率的现象和制度已不符合我国保险市场费率市场化的国情。自2015年6月1日起实施的商业车险条款费率改革在青岛地区效果显著,在此背景下,以青岛地区为调研对象,分析和研究商业车险的需求及其影响因素,对推动车险行业的健康有序发展具有一定的理论和现实意义。在简要梳理国内外商业车险需求研究文献的基础上,从产品需求理论着手,总结得出商业车险需求服务的敏感性、非寻觅性和层次性三个特点。简要阐述了我国汽车保险和商业车险发展现状,进一步分析了目前青岛市汽车保险市场存在的问题,并针对商业车险条款进行了费改前后的比较。通过设计和搜集调查问卷,从有效需求、伪需求和结构性需求三个层面,调研分析了商业车险费率改革背景下青岛市消费者对商业车险产品的需求,并根据调研问卷的统计数据,进行交叉统计分析和Logistic回归分析,探求商业车险需求的影响因素。研究结果表明,有投资理财经验的消费者购买商业车险的意愿最为强烈,消费者续保时更看重的是保险公司的服务体验和品牌口碑。此外,青岛市车险费率改革政策的宣传力度还有待加强。最后,基于当前商业车险费率改革背景,从消费者风险的定位和区分、细分消费者的需求、结合汽车驾驶技术的发展来开发创新型商业车险产品和以优质的服务来赢得市场份额等方面提出了对策和建议。
[Abstract]:Since the reform and opening up, the insurance industry of our country has been developing continuously, the function and function of insurance in the economic society is more and more prominent, especially the commercial automobile insurance has provided the important guarantee for the economic and social development and the people's life stability in more than 30 years. On the other hand, there are still some problems in China's property insurance market, such as the imbalance of premium structure and so on. The phenomenon and system of homogenization and unified rate of commercial automobile insurance products have not been in line with the national conditions of marketization of premium rates in China's insurance market. Since June 1, 2015, the reform of commercial auto insurance clause rate has achieved remarkable effect in Qingdao area. Under this background, taking Qingdao area as the research object, the demand of commercial auto insurance and its influencing factors are analyzed and studied. To promote the healthy and orderly development of auto insurance industry has a certain theoretical and practical significance. On the basis of briefly combing the domestic and foreign literature on commercial auto insurance demand, this paper summarizes the three characteristics of commercial auto insurance demand service sensitivity, non-search and hierarchy from the view of product demand theory. This paper briefly expounds the development situation of automobile insurance and commercial automobile insurance in China, further analyzes the existing problems in Qingdao auto insurance market, and compares the terms of commercial auto insurance before and after the fee reform. Through designing and collecting questionnaire, from three levels of effective demand, pseudo demand and structural demand, this paper investigates and analyzes the demand of Qingdao consumers for commercial auto insurance products under the background of commercial car insurance rate reform. According to the statistical data of questionnaire, cross statistical analysis and Logistic regression analysis are carried out to find out the influencing factors of commercial auto insurance demand. The results show that consumers with investment and financial management experience have the strongest desire to buy commercial car insurance, and consumers pay more attention to the service experience and brand reputation of insurance companies when they renew their insurance policies. In addition, Qingdao City car insurance rate reform policy propaganda needs to be strengthened. Finally, based on the background of the current commercial car insurance rate reform, from the consumer risk positioning and differentiation, subdivided consumer demand, Combined with the development of automobile driving technology to develop innovative commercial auto insurance products and to win market share with high-quality service, the paper puts forward some countermeasures and suggestions.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.634

【参考文献】