互联网保险需求的影响因素分析

发布时间：2018-03-02 16:40

本文选题：互联网保险　切入点：需求因素　出处：《浙江工商大学》2017年硕士论文　论文类型：学位论文

【摘要】：当前,互联网早已经渗透到社会生产生活各个方面,深刻的改变了人类社会的运行方式,加速了人类文明步伐的进步,开启了一个崭新的时代。传统产业与互联网信息技术渗透交融,成为引领传统产业变革的重要力量,并不断催生着新产业新业态的出现。互联网保险是一种以互联网平台为工具或媒介的新兴保险模式,保险公司或者保险中介机构通过互联网平台为客户提供多样化的产品及快捷的信息服务信息,以实现网上营销、在线投保、承保、核保、保全和理赔等全过程保险业务,并通过第三方机构来完成保费相关支付的过程。2016年,已经有117家保险机构开展了互联网保险业务,签单保费收入达到2348亿元,是2011年互联网保费收入32亿的73倍。2016年互联网保险新增保单达到了 61.65亿件,占全部新增保单件数的64.59%。其中财产险公司有56家,实现互联网财产保险签单保费403亿元;人身险公司有61家,实现互联网人身保险签单保费1945亿元。航空延误险、网络购物退货运费险、账户安全险等一系列互联网保险产品快速出现在我们生活的各个方面。互联网保险发展之迅猛,如今已在整个保险行业中占有着越来越高的地位。那么到底是什么样的因素在驱使着整个互联网保险行业的快速发展呢?国内外学者对传统寿险需求和非寿险需求的影响因素进行系统深入的定性和定量研究,对互联网保险的研究主要集中于模式的研究,对影响互联网保险需求的影响因素研究较少,且仅限于定性分析,缺乏定量研究。本文采用定性分析和定量研究相结合的方法,系统分析影响互联网保险需求的各种因素。首先从我国现今互联网保险发展状况切入,阐述互联网保险保费收入、互联网保险模式,与传统保险的区别和联系,存在问题等。然后对影响互联网保险需求的一般性因素和特有因素两方面进行定性分析。最后运用保险经济学需求理论和计量经济学分析方法,采用我国2014年和2015年省份面板数据对互联网保险需求的影响因素进行实证分析,得到各个因素对我国互联网保险需求的影响,并根据分析结果对我国互联网保险发展提出相关政策和建议。
[Abstract]:At present, the Internet has already penetrated into all aspects of social production and life, profoundly changing the way human society operates and accelerating the progress of human civilization. Has opened a new era. Traditional industry and Internet information technology permeate and blend, and become an important force leading the transformation of traditional industry. Internet insurance is a new insurance mode with Internet platform as a tool or medium. Insurance companies or insurance intermediaries provide customers with a variety of products and quick information service information through the Internet platform, in order to realize the whole process of insurance business, such as online marketing, online insurance, insurance, insurance, preservation and claim settlement, etc. In 2016, there were already 117 insurance institutions engaged in Internet insurance business, with a premium income of 234.8 billion yuan. In 2016, the number of new Internet insurance policies reached six billion one hundred and sixty-five million, accounting for 64.59% of the total number of new policies. Among them, there were 56 property insurance companies, which realized the Internet property insurance insurance premium of 40.3 billion yuan; There are 61 life insurance companies, and the insurance premium for Internet life insurance is 194.5 billion yuan. A series of Internet insurance products, such as account security insurance, are rapidly emerging in every aspect of our lives. Now it has become more and more important in the whole insurance industry. So what kind of factors are driving the rapid development of the whole Internet insurance industry? Domestic and foreign scholars systematically and quantitatively study the influence factors of traditional life insurance demand and non-life insurance demand. The research on Internet insurance is mainly focused on the model research. There are few researches on the influencing factors of Internet insurance demand, which are limited to qualitative analysis and lack of quantitative research. This paper systematically analyzes the factors that affect the demand for Internet insurance. Firstly, from the perspective of the current development of Internet insurance in China, the paper expounds the difference and relationship between Internet insurance premium income, Internet insurance mode and traditional insurance. Then qualitative analysis is made on the general factors and unique factors that affect the demand of Internet insurance. Finally, the demand theory of insurance economics and the econometrics analysis method are used. By using the provincial panel data of 2014 and 2015, the paper makes an empirical analysis of the factors affecting the demand for Internet insurance, and obtains the influence of each factor on the demand for Internet insurance in China. And according to the results of the analysis of the development of Internet insurance in China put forward relevant policies and recommendations.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F842

【参考文献】