北京地区城乡居民地震巨灾保险需求意愿调研报告

发布时间：2018-05-01 19:20

本文选题：巨灾保险 + 自然灾害　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：2016年7月1日,中国城乡居民住宅保险产品正式全面销售,标志着我国城乡居民住宅地震巨灾保险制度正式落地。12月26日,中国城乡居民住宅地震巨灾保险运营平台在上海保交所正式上线运行,为中国城乡居民住宅地震巨灾保险共同体提供承保理赔交易结算等一站式综合服务。针对北京地区居民对地震巨灾保险需求,本文进行了随机调研。将北京地区分为了8个区域,即海淀区、丰台区、石景山区、朝阳区、东北角(包括密云、平谷、怀柔、顺义)、西南角(包括大兴、房山、门头沟、通州)、东城区和西城区,旨在通过调研数据来探讨影响北京地区城乡居民地震巨灾保险需求的因素。本调研报告主要包括六个部分。第一部分:调研背景和意义。第二部分:调研设计。第三部分:信度和效度分析。信度分析是反映问卷质量好坏的一个指标,效度分析反映的是北京居民对于城乡居民地震巨灾保险需求的程度。第四部分:调研数据的描述性分析。这部分对受访者的个人基本信息进行了描述性分析,重点在于交叉分析了个人年收入和购买商业保险份数,个人受教育状况和对城乡居民地震巨灾保险的了解程度之间的相关性。同时对影响城乡居民地震巨灾保险需求的其他因素进行了描述性分析。第五部分:城乡居民地震巨灾保险需求分析。该部分主要通过统计软件SPSS21.0使用有序Logistic对影响北京地区居民购买城乡居民地震巨灾保险的需求因素进行了分析。分析结果表明以下4个因素对城乡居民地震巨灾保险需求有显著性影响:第一个因素是购买商业保险的份数越多,对城乡居民地震巨灾保险的需求越大;第二个因素是越了解已推出的城乡居民地震巨灾保险,则对这一险种的需求越大;第三个因素是购买城乡居民地震巨灾保险的北京居民多数选择中资大型财产险公司;第四个因素是北京居民一旦认为房屋建造过程中实施了防损措施,则对城乡居民地震巨灾保险的需求会显著下降。另外,保险金额这一因素虽然在SPSS21.0的参数估计的检验结果中不显著,但是在似然值检验中显著,它表明保险金额越高,对城乡居民地震巨灾保险的需求越大。最后一部分针对上述几个因素提出以下几点建议来提高城乡居民地震巨灾保险需求:从社会角度来看,一是加强电视、网络及网站对地震巨灾防范常识的宣传;二是做好建筑工程的抗震设防。从保险公司角度来看,一是加强对已推出的城乡居民地震巨灾保险这一险种的宣传;二是中资大型财产险公司作为城乡居民地震巨灾保险的主要供给者应当发挥主要作用;三是合理提高保险金额以扩大城乡居民地震巨灾保险需求。从行业发展角度来看,应大力拓展地震巨灾保险的再保险市场。从政府部门来看,提出政府着力从五个方面重视在地震巨灾保险市场的调节机制。
[Abstract]:On July 1, 2016, China's urban and rural residents' housing insurance products were officially sold, marking the formal landing of the earthquake catastrophe insurance system for urban and rural residents in China. December 26, The operating platform of earthquake catastrophe insurance for urban and rural residents in China is officially launched in Shanghai Baojiao Institute to provide one-stop comprehensive services for the residential earthquake catastrophe insurance community of urban and rural residents in China, such as settlement of underwriting, settlement of settlement of claims and so on. According to Beijing residents' demand for earthquake catastrophe insurance, this paper carries out random investigation. The area of Beijing is divided into eight regions, namely Haidian District, Fengtai District, Shijingshan District, Chaoyang District, northeast corner (including Miyun, Pinggu, Huairou, Shunyi Lu, southwestern corner (including Daxing, Fangshan, Mentougou, Tongzhou, Dongcheng and Xicheng districts), The purpose of this paper is to explore the factors influencing the demand of earthquake catastrophe insurance for urban and rural residents in Beijing. This research report mainly includes six parts. The first part: research background and significance. The second part: research and design. The third part: reliability and validity analysis. Reliability analysis is an index to reflect the quality of the questionnaire, and validity analysis reflects the degree of Beijing residents' demand for earthquake catastrophe insurance for urban and rural residents. Part four: descriptive analysis of survey data. This section provides a descriptive analysis of the basic personal information of the interviewees, focusing on the cross-analysis of individual annual income and the number of business insurance shares purchased. The correlation between individual education and the degree of understanding of earthquake catastrophe insurance for urban and rural residents. At the same time, the other factors affecting the urban and rural residents' earthquake catastrophe insurance demand are analyzed in a descriptive way. The fifth part: urban and rural residents earthquake catastrophe insurance needs analysis. In this part, the demand factors affecting the residents' purchase of earthquake catastrophe insurance for urban and rural residents in Beijing are analyzed by the use of orderly Logistic software SPSS21.0. The results show that the following four factors have a significant impact on the urban and rural residents earthquake catastrophe insurance demand: the first factor is that the more the number of commercial insurance, the greater the demand for urban and rural residents earthquake catastrophe insurance; The second factor is that the more we know the earthquake catastrophe insurance for urban and rural residents, the greater the demand for the insurance; the third factor is that the majority of Beijing residents who buy earthquake catastrophe insurance for urban and rural residents choose Chinese large property insurance companies. The fourth factor is that the demand for earthquake catastrophe insurance for urban and rural residents will be significantly reduced once Beijing residents believe that the construction process of the implementation of damage prevention measures. In addition, although the amount of insurance is not significant in the test results of SPSS21.0 parameter estimation, it is significant in the likelihood value test. It shows that the higher the amount of insurance, the greater the demand for earthquake catastrophe insurance for urban and rural residents. The last part puts forward the following suggestions to improve the urban and rural residents' earthquake catastrophe insurance demand: from the social point of view, the first is to strengthen the television, network and website to the earthquake disaster prevention common sense propaganda; The second is to do a good job in building the earthquake-resistant fortification. From the point of view of insurance company, one is to strengthen the publicity of earthquake catastrophe insurance for urban and rural residents, the other is that Chinese large property insurance company should play a major role as the main provider of earthquake catastrophe insurance for urban and rural residents. Third, increase the amount of insurance to expand urban and rural residents earthquake catastrophe insurance demand. From the angle of industry development, we should expand the reinsurance market of earthquake catastrophe insurance. From the point of view of government departments, it is put forward that the government pays attention to the adjustment mechanism of earthquake catastrophe insurance market from five aspects.
【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】：F842.64

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