本文關(guān)鍵詞： 商業(yè)養(yǎng)老保險(xiǎn) 影響因素 回歸分析　出處：《華南理工大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：我國已提前進(jìn)入人口老齡化國家的行列，人口老齡化的不斷加劇，給整個(gè)社會(huì)帶來沉重的壓力，為了維護(hù)社會(huì)的穩(wěn)定，促進(jìn)經(jīng)濟(jì)的穩(wěn)定發(fā)展，國家就必須重視養(yǎng)老這個(gè)問題，并要把這個(gè)問題很好的解決。在社會(huì)變遷、經(jīng)濟(jì)轉(zhuǎn)型的當(dāng)下，我國逐步建立并完善社會(huì)養(yǎng)老體系，其中商業(yè)養(yǎng)老保險(xiǎn)作為我國社會(huì)養(yǎng)老保險(xiǎn)體系的重要補(bǔ)充，對(duì)養(yǎng)老保障體系的構(gòu)建具有重要作用。 本文對(duì)K保險(xiǎn)公司商業(yè)養(yǎng)老保險(xiǎn)項(xiàng)目的經(jīng)營現(xiàn)狀進(jìn)行了分析，，找出項(xiàng)目存在的問題，在國內(nèi)外保險(xiǎn)理論的指導(dǎo)下，通過發(fā)放調(diào)查問卷的方式，收集樣本數(shù)據(jù)，運(yùn)用關(guān)聯(lián)度分析和logistic回歸分析方法研究了K保險(xiǎn)公司商業(yè)養(yǎng)老保險(xiǎn)項(xiàng)目的影響因素及其回歸程度，得出婚姻狀況、職業(yè)情況、收入水平、文化程度、養(yǎng)老觀念及對(duì)商業(yè)保險(xiǎn)的認(rèn)知途徑等六個(gè)方面對(duì)購買商業(yè)養(yǎng)老保險(xiǎn)的相關(guān)性大小。在此基礎(chǔ)上，對(duì)K保險(xiǎn)公司商業(yè)養(yǎng)老保險(xiǎn)項(xiàng)目項(xiàng)目提出四點(diǎn)改進(jìn)意見：一要根據(jù)市場(chǎng)需求，改進(jìn)產(chǎn)品和完善產(chǎn)品體系，不同層次需求推差異化產(chǎn)品；二要改善傳統(tǒng)的營銷模式，增大保險(xiǎn)影響力，完善營銷渠道的發(fā)展；三要?jiǎng)?chuàng)新宣傳方式，優(yōu)化促銷策略，提升品牌形象；四要加強(qiáng)內(nèi)部管理，提高保險(xiǎn)代理人的整體素質(zhì)。最后，從政策、體系、服務(wù)等幾個(gè)方面提出有關(guān)商業(yè)養(yǎng)老保險(xiǎn)發(fā)展的政策建議。
[Abstract]:China has entered the ranks of aging population countries in advance, and the increasing aging of population has brought heavy pressure to the whole society. In order to maintain social stability and promote the stable development of the economy, the state must attach importance to the issue of supporting the aged. At the moment of social change and economic transformation, our country has gradually established and improved the social pension system, among which commercial old-age insurance is an important supplement to our social endowment insurance system. It plays an important role in the construction of old-age security system. This paper analyzes the management status of commercial endowment insurance project of K insurance company, finds out the problems existing in the project, collects the sample data by issuing questionnaire under the guidance of insurance theory at home and abroad. By using the method of correlation degree analysis and logistic regression analysis, this paper studies the influencing factors and the regression degree of the commercial old-age insurance project of K insurance company, and obtains the marital status, occupation, income level, education level, and so on. The relationship between the concept of the aged and the cognitive approach to commercial insurance on the purchase of commercial endowment insurance. On the basis of this, the paper puts forward four suggestions to improve the items of commercial endowment insurance of K insurance company: first, according to the market demand, Improve the product and improve the product system, different levels of demand promote differentiated products; second, improve the traditional marketing model, increase the impact of insurance, improve the development of marketing channels; third, innovate the way of publicity, optimize the promotion strategy, Fourth, strengthen the internal management, improve the overall quality of insurance agents. Finally, from the policy, system, service and other aspects of the development of commercial old-age insurance policy recommendations.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.62

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