保险消费群体分析研究

山东工商学院

SHANDONG INSTITUTE OF BUSINESS AND TECHNOLOGY

毕业论文

GRADUATION THESIS

论文题目

Title Of Thesis

保险消费群体分析研究

分院（系别）

Department

统计学院

专业Speciality 保险学

班级

Class

保险111

论文作者Author of Thesis 胡骄烊

日期

Date

2011年6月9日

论文指导教师

Advisor 宇文晶

指导教师职称

The Title of Advisor

教授

保险消费群体分析研究

[摘要]随着我国经济的发展，保险业作为第三产业的重要服务行业，也逐渐发展起来，在社会生活中发挥着越来越重要的作用。因此，我们只有通过对保险消费群体进行系统全面的分析，才能对保险产品的研究开发和市场营销提供更可靠的依据，从而使消费者更加理性消费。直接原因是消费者的心理动机。因为它可以促使消费者为了达到一定的目的而参与消费活动。被保险人在保险活动中，也受到一定的心理控制。

保险消费具有一些共性，但由于我国的特殊情况，表现出一定的特殊性。保险集团的类型大致可分为一般保险集团和中国特殊的保险消费群体，由于人们的安全预防心理、侥幸心理、逆向选择心理，贪图便宜的心理动机的驱使。保险公司应认真研究消费群体的各类保险，然后认真分析消费者的心理，在对消费群体的准确把握的前提下，对目标客户的细分，以便采取不同的营销策略。

[关键词]保险；消费群体：经济收入：风险意识

Insurance consumption group analysis

Abstract: With the rapid growth of national economy, China's insurance industry also obtained fast development, and has achieved fruitful results. Since China's accession to the wto, China's insurance industry has increased the pace of opening to the outside world. With the further development of the insurance industry and economic comprehensive open, the insurance industry's economic compensation, financing and social management of the three major functions are fully play.

Insurance consumption can promote the development of the insurance industry, for the insurance industry, insurance consumption directly determines the success or failure. And consumer attitude towards held by the insurance industry, insurance consumption behavior will affect the development of the insurance industry, so the study of consumer groups can make insurance operator grasps the insurance demand change, expand the market to provide the reference for it. So far, so the study of the theory of the consumer groups to have become a hot research topic.

This article first briefly introduced the domestic major insurance companies, and analyze its insurance consumption. Second analysis the main factors influencing the insurance consumption, the establishment of various factors and the relationship model of premium income, by using linear regression model.

Keywords: The insurance industry；Insurance consumer groups；Factors affecting；model

目录

引言 (1)

一、保险消费现状分析 (3)

（一）保险分类 (3)

（二）保险消费现状 (3)

1文化环境的影响 (3)

2 传统思想的影响 (4)

3制度变迁因素的影响 (4)

4风险意识因素的影响 (4)

5公司信誉度的影响 (5)

6性别、年龄对保险消费行为的影响 (5)

二、保险消费群体分析 (5)

（一）保险消费群体对保险消费的影响 (5)

1收入水平 (5)

2生活方式 (6)

3风险意识 (7)

4性别与年龄 (7)

5教育水平 (8)

6职业 (8)

（二）模型的建立与计算 (9)

1模型建立及计算 (9)

2结果分析研究 (10)

三、关于发展我国保险行业的具体建议 (10)

（一）制定风险分担方案，抑制投机心理 (10)

（二）设计风险分担方案、约束其行为 (11)

（三）加强拒赔宣传、严厉惩处逆向选择 (11)

（四）引导人们科学投保、合理消费 (12)

（五）公司应避免同质化竞争、发展自我独有品牌 (12)