本文選題：車險(xiǎn)費(fèi)率改革 + 汽車保險(xiǎn)需求　； 參考：《青島大學(xué)》2017年碩士論文

【摘要】：改革開(kāi)放以來(lái),我國(guó)保險(xiǎn)業(yè)不斷發(fā)展壯大,保險(xiǎn)在經(jīng)濟(jì)社會(huì)中發(fā)揮的功能和作用越來(lái)越突出,尤其是商業(yè)車險(xiǎn)在30多年間為經(jīng)濟(jì)社會(huì)發(fā)展和人民生活穩(wěn)定提供了重要保障。另一方面我國(guó)財(cái)險(xiǎn)市場(chǎng)仍存在保費(fèi)結(jié)構(gòu)失衡等問(wèn)題,商業(yè)車險(xiǎn)產(chǎn)品同質(zhì)化和統(tǒng)一費(fèi)率的現(xiàn)象和制度已不符合我國(guó)保險(xiǎn)市場(chǎng)費(fèi)率市場(chǎng)化的國(guó)情。自2015年6月1日起實(shí)施的商業(yè)車險(xiǎn)條款費(fèi)率改革在青島地區(qū)效果顯著,在此背景下,以青島地區(qū)為調(diào)研對(duì)象,分析和研究商業(yè)車險(xiǎn)的需求及其影響因素,對(duì)推動(dòng)車險(xiǎn)行業(yè)的健康有序發(fā)展具有一定的理論和現(xiàn)實(shí)意義。在簡(jiǎn)要梳理國(guó)內(nèi)外商業(yè)車險(xiǎn)需求研究文獻(xiàn)的基礎(chǔ)上,從產(chǎn)品需求理論著手,總結(jié)得出商業(yè)車險(xiǎn)需求服務(wù)的敏感性、非尋覓性和層次性三個(gè)特點(diǎn)。簡(jiǎn)要闡述了我國(guó)汽車保險(xiǎn)和商業(yè)車險(xiǎn)發(fā)展現(xiàn)狀,進(jìn)一步分析了目前青島市汽車保險(xiǎn)市場(chǎng)存在的問(wèn)題,并針對(duì)商業(yè)車險(xiǎn)條款進(jìn)行了費(fèi)改前后的比較。通過(guò)設(shè)計(jì)和搜集調(diào)查問(wèn)卷,從有效需求、偽需求和結(jié)構(gòu)性需求三個(gè)層面,調(diào)研分析了商業(yè)車險(xiǎn)費(fèi)率改革背景下青島市消費(fèi)者對(duì)商業(yè)車險(xiǎn)產(chǎn)品的需求,并根據(jù)調(diào)研問(wèn)卷的統(tǒng)計(jì)數(shù)據(jù),進(jìn)行交叉統(tǒng)計(jì)分析和Logistic回歸分析,探求商業(yè)車險(xiǎn)需求的影響因素。研究結(jié)果表明,有投資理財(cái)經(jīng)驗(yàn)的消費(fèi)者購(gòu)買商業(yè)車險(xiǎn)的意愿最為強(qiáng)烈,消費(fèi)者續(xù)保時(shí)更看重的是保險(xiǎn)公司的服務(wù)體驗(yàn)和品牌口碑。此外,青島市車險(xiǎn)費(fèi)率改革政策的宣傳力度還有待加強(qiáng)。最后,基于當(dāng)前商業(yè)車險(xiǎn)費(fèi)率改革背景,從消費(fèi)者風(fēng)險(xiǎn)的定位和區(qū)分、細(xì)分消費(fèi)者的需求、結(jié)合汽車駕駛技術(shù)的發(fā)展來(lái)開(kāi)發(fā)創(chuàng)新型商業(yè)車險(xiǎn)產(chǎn)品和以優(yōu)質(zhì)的服務(wù)來(lái)贏得市場(chǎng)份額等方面提出了對(duì)策和建議。
[Abstract]:Since the reform and opening up, the insurance industry of our country has been developing continuously, the function and function of insurance in the economic society is more and more prominent, especially the commercial automobile insurance has provided the important guarantee for the economic and social development and the people's life stability in more than 30 years. On the other hand, there are still some problems in China's property insurance market, such as the imbalance of premium structure and so on. The phenomenon and system of homogenization and unified rate of commercial automobile insurance products have not been in line with the national conditions of marketization of premium rates in China's insurance market. Since June 1, 2015, the reform of commercial auto insurance clause rate has achieved remarkable effect in Qingdao area. Under this background, taking Qingdao area as the research object, the demand of commercial auto insurance and its influencing factors are analyzed and studied. To promote the healthy and orderly development of auto insurance industry has a certain theoretical and practical significance. On the basis of briefly combing the domestic and foreign literature on commercial auto insurance demand, this paper summarizes the three characteristics of commercial auto insurance demand service sensitivity, non-search and hierarchy from the view of product demand theory. This paper briefly expounds the development situation of automobile insurance and commercial automobile insurance in China, further analyzes the existing problems in Qingdao auto insurance market, and compares the terms of commercial auto insurance before and after the fee reform. Through designing and collecting questionnaire, from three levels of effective demand, pseudo demand and structural demand, this paper investigates and analyzes the demand of Qingdao consumers for commercial auto insurance products under the background of commercial car insurance rate reform. According to the statistical data of questionnaire, cross statistical analysis and Logistic regression analysis are carried out to find out the influencing factors of commercial auto insurance demand. The results show that consumers with investment and financial management experience have the strongest desire to buy commercial car insurance, and consumers pay more attention to the service experience and brand reputation of insurance companies when they renew their insurance policies. In addition, Qingdao City car insurance rate reform policy propaganda needs to be strengthened. Finally, based on the background of the current commercial car insurance rate reform, from the consumer risk positioning and differentiation, subdivided consumer demand, Combined with the development of automobile driving technology to develop innovative commercial auto insurance products and to win market share with high-quality service, the paper puts forward some countermeasures and suggestions.
【學(xué)位授予單位】：青島大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.634

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