互联网保险需求调查报告

发布时间：2018-05-06 23:31

  本文选题：互联网保险 + 消费者需求　； 参考：《河北经贸大学》2017年硕士论文

【摘要】：近几年来,互联网保险蓬勃发展。2015年,《互联网保险业务监管暂行办法》落地,为互联网保险的规范健康发展创造了良好的环境。2016年,各保险公司也通过其场景或资本优势,纷纷布局互联网保险。互联网保险的场景、渠道和技术创新成为人们关注的焦点。在如此竞争激烈的市场上,影响消费者互联网保险需求的因素也变得纷繁复杂,大到国家的政策法规、市场环境,小到用户的购买习惯、个人特征,都会对互联网保险市场产生一定影响。为了确定互联网保险需求的显著影响因素,为保险公司开发产品提供可参考信息,笔者利用理论研究、调查统计和实证分析等研究方法,完成了一份互联网保险需求调查报告。本文共分六个部分。(1)研究背景、现状、方法和目的及意义:主要梳理了互联网保险的相关研究文献,对研究目的及方法做简要介绍;(2)我国互联网保险发展历程与现状分析:通过资料搜集整合,对互联网保险研究背景、发展历程和现有的模式、机构、产品等做了相关介绍;(3)互联网保险需求影响因素的理论分析:根据文献资料和实际情况筛选出对互联网保险需求可能有影响的因素并进行分类,然后逐一进行理论分析,探究其可能产生影响的原因以及影响方向;(4)互联网保险需求影响因素的调查统计分析:根据影响因素进行问卷设计和发放,并进行数据回收和处理,运用统计学基本方法进行描述性统计分析,得出了大部分影响因素与假设情况相一致的结论;(5)互联网保险需求影响因素实证分析:进一步通过二项logistic回归分析,对问卷数据进行实证分析,最终得出模型结果显示,共有七个变量对互联网保险需求有着显著影响,包括消费者性别、网络应用技能熟练程度、互联网保险购买经历、网购保险的便利性、网购流程顺畅性、对互联网保险产品保障性认知以及周围的社交环境;(6)结论和建议:结合需求影响因素对互联网保险公司的客户群体、销售方法、渠道建设、流程设计、品牌提升以及产品创新等提出了相关建议。希望通过本文的系统研究,能丰富我国互联网保险的理论研究,对保险公司的互联网保险发展决策提供些许参考。
[Abstract]:In recent years, Internet insurance has flourished. In 2015, the interim measures for the Supervision of Internet Insurance came to the ground, creating a good environment for the healthy development of Internet insurance. In 2016, insurance companies also adopted their scenarios or capital advantages. Layout of Internet insurance. The scene, channel and technological innovation of Internet insurance become the focus of people's attention. In such a highly competitive market, the factors that affect consumers' demand for Internet insurance have also become complicated, ranging from national policies and regulations, market environment, user buying habits, and personal characteristics. Will have a certain impact on the Internet insurance market. In order to determine the significant influencing factors of Internet insurance demand and to provide reference information for insurance companies to develop products, the author has completed a survey report on Internet insurance demand by using theoretical research, investigation statistics and empirical analysis. This paper is divided into six parts. (1) the research background, present situation, methods, purpose and significance. This paper gives a brief introduction to the purpose and method of the research. (2) the development and current situation of Internet insurance in China: through the data collection and integration, the research background, development process and existing models and institutions of Internet insurance are analyzed. According to the literature and the actual situation, the factors that may affect the demand for Internet insurance are selected and classified, and then the theoretical analysis is carried out one by one. To explore the possible causes of its impact and the direction of its impact. (4) Survey and statistical analysis of the factors affecting the demand for Internet insurance: questionnaire design and distribution, data recovery and processing according to the influencing factors, Using the basic statistical method to analyze descriptive statistics, we draw the conclusion that most of the influencing factors are consistent with the hypotheses. 5) the empirical analysis of the influencing factors of Internet insurance demand: further, through binomial logistic regression analysis, The empirical analysis of the questionnaire data shows that there are seven variables that have a significant impact on the demand for Internet insurance, including the gender of consumers, the proficiency of Internet application skills, the purchase experience of Internet insurance. The convenience of online insurance, the smooth flow of online purchase, the knowledge of the indemnity of Internet insurance products and the surrounding social environment (6) conclusions and suggestions: combined with the factors affecting demand, the customer groups and sales methods of Internet insurance companies are analyzed. Channel construction, process design, brand promotion and product innovation are proposed. It is hoped that the systematic research in this paper can enrich the theoretical research of Internet insurance in China and provide some references for the development of Internet insurance in insurance companies.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F842
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本文编号：1854401