【摘要】：近年來,巨災接連不斷地發(fā)生,所造成的危害和損失威脅著社會的穩(wěn)定。巨災風險主體行為不僅關(guān)系著自身的生命財產(chǎn)安全,更是巨災風險管理中不可忽視的重要內(nèi)容。而就我國目前的情況來看,巨災風險管理深受巨災風險主體風險意識淡薄、防范措施缺乏等問題困擾。因而探索巨災風險主體行為特征及其影響因子,并針對巨災風險主體行為影響因素提出對策建議至關(guān)重要。 文章首先提出了所要研究的問題以及研究背景,然后對文章所需要的理論內(nèi)容進行了詳細的梳理,之后通過問卷調(diào)查的方式獲取原始數(shù)據(jù),利用SPSS17.0軟件,選取了描述分析、方差分析、因子分析、相關(guān)分析四種分析方法來對數(shù)據(jù)加以分析,得到的實證結(jié)論主要是：(1)大部分人巨災風險意識淡薄,關(guān)注頻率低下,預防措施缺乏。(2)人口統(tǒng)計特征性別、年齡、文化水平、收入對巨災風險意識、風險行為、風險行為評價有不同程度的差異,而對收入風險態(tài)度、損失風險態(tài)度的認識并不存在顯著差異,從而認為人人所厭惡的并不是風險本身,而是厭惡損失。(3)利用因子分析方法以達到降維的目的,分析過程顯示,巨災風險意識是影響巨災風險行為非常重要的因素,其作用不容忽視。(4)有無補貼的情況下,影響投保人投保巨災保險的因素各不相同。相關(guān)分析的結(jié)果顯示,若政府不提供補貼,關(guān)注頻率與購買巨災保險之間的相關(guān)關(guān)系并不顯著；在政府提供補貼的前提下,關(guān)注頻率與購買巨災保險存在負相關(guān)關(guān)系。這可能是由于關(guān)注頻率較高,平時預防措施準備充足,加上人們在面對損失時,大多是風險偏好型,因而,無論是否存在政府補貼,巨災風險主體的行為并未發(fā)生明顯的改變,可能都不會購買巨災保險。最后針對實證部分的結(jié)果提出了如下建議：第一,利用信息傳遞渠道,提高關(guān)注頻率；第二,加強日常防范,提升自我防范能力；第三,普及巨災風險常識,提升風險意識；第四,參與防災演習,提高自救能力；第五,正確認識巨災保險,選取合適的保險產(chǎn)品。
[Abstract]:In recent years, catastrophes have occurred one after another, resulting in damage and losses threatening social stability. The behavior of catastrophe risk subjects is not only related to their own life and property safety, but also an important content that can not be ignored in catastrophe risk management. As far as our country is concerned, catastrophe risk management is beset by such problems as weak risk consciousness and lack of preventive measures. Therefore, it is very important to explore the behavior characteristics of catastrophe risk subject and its influencing factors, and to put forward countermeasures and suggestions for the influencing factors of catastrophe risk subject behavior. The paper first puts forward the problems to be studied and the research background, then combs the theoretical content of the article in detail, then obtains the original data by questionnaire, and selects the description analysis by using SPSS17.0 software. Variance analysis, factor analysis and correlation analysis are four analytical methods to analyze the data. The empirical conclusions are as follows: (1) most people have weak awareness of catastrophe risk, low attention frequency and lack of preventive measures. Age, education level, income to catastrophe risk awareness, risk behavior evaluation have different degrees, but there is no significant difference in income risk attitude and loss risk attitude. It is concluded that what everyone hates is not risk itself, but loss aversion. (3) Factor analysis is used to achieve the goal of dimensionality reduction. The analysis process shows that catastrophe risk awareness is a very important factor affecting catastrophe risk behavior. Its function can not be ignored. (4) under the condition of whether there are subsidies, the factors affecting the insured's catastrophe insurance are different. The results of correlation analysis show that if the government does not provide subsidies, the correlation between the frequency of concern and the purchase of catastrophe insurance is not significant; under the premise of government subsidies, there is a negative correlation between the frequency of concern and the purchase of catastrophe insurance. This may be due to the high frequency of attention, the adequate preparation of preventive measures in peacetime, and the fact that when people face losses, most of them are risk preference types. Therefore, whether or not government subsidies exist, the behavior of catastrophe risk subjects has not changed significantly. May not buy catastrophe insurance. Finally, according to the results of the empirical part, the following suggestions are put forward: first, the use of information transmission channels to improve the frequency of attention; second, to strengthen daily prevention, to enhance the ability of self-prevention; third, to popularize common sense of catastrophe risk, enhance risk awareness; Fourth, participate in disaster prevention exercises, improve self-rescue ability; fifth, correctly understand catastrophe insurance, select appropriate insurance products.
【學位授予單位】：西南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.64

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