本文選題：互聯(lián)網(wǎng)保險 + 消費者需求　； 參考：《河北經(jīng)貿(mào)大學》2017年碩士論文

【摘要】：近幾年來,互聯(lián)網(wǎng)保險蓬勃發(fā)展。2015年,《互聯(lián)網(wǎng)保險業(yè)務(wù)監(jiān)管暫行辦法》落地,為互聯(lián)網(wǎng)保險的規(guī)范健康發(fā)展創(chuàng)造了良好的環(huán)境。2016年,各保險公司也通過其場景或資本優(yōu)勢,紛紛布局互聯(lián)網(wǎng)保險。互聯(lián)網(wǎng)保險的場景、渠道和技術(shù)創(chuàng)新成為人們關(guān)注的焦點。在如此競爭激烈的市場上,影響消費者互聯(lián)網(wǎng)保險需求的因素也變得紛繁復雜,大到國家的政策法規(guī)、市場環(huán)境,小到用戶的購買習慣、個人特征,都會對互聯(lián)網(wǎng)保險市場產(chǎn)生一定影響。為了確定互聯(lián)網(wǎng)保險需求的顯著影響因素,為保險公司開發(fā)產(chǎn)品提供可參考信息,筆者利用理論研究、調(diào)查統(tǒng)計和實證分析等研究方法,完成了一份互聯(lián)網(wǎng)保險需求調(diào)查報告。本文共分六個部分。(1)研究背景、現(xiàn)狀、方法和目的及意義:主要梳理了互聯(lián)網(wǎng)保險的相關(guān)研究文獻,對研究目的及方法做簡要介紹;(2)我國互聯(lián)網(wǎng)保險發(fā)展歷程與現(xiàn)狀分析:通過資料搜集整合,對互聯(lián)網(wǎng)保險研究背景、發(fā)展歷程和現(xiàn)有的模式、機構(gòu)、產(chǎn)品等做了相關(guān)介紹;(3)互聯(lián)網(wǎng)保險需求影響因素的理論分析:根據(jù)文獻資料和實際情況篩選出對互聯(lián)網(wǎng)保險需求可能有影響的因素并進行分類,然后逐一進行理論分析,探究其可能產(chǎn)生影響的原因以及影響方向;(4)互聯(lián)網(wǎng)保險需求影響因素的調(diào)查統(tǒng)計分析:根據(jù)影響因素進行問卷設(shè)計和發(fā)放,并進行數(shù)據(jù)回收和處理,運用統(tǒng)計學基本方法進行描述性統(tǒng)計分析,得出了大部分影響因素與假設(shè)情況相一致的結(jié)論;(5)互聯(lián)網(wǎng)保險需求影響因素實證分析:進一步通過二項logistic回歸分析,對問卷數(shù)據(jù)進行實證分析,最終得出模型結(jié)果顯示,共有七個變量對互聯(lián)網(wǎng)保險需求有著顯著影響,包括消費者性別、網(wǎng)絡(luò)應用技能熟練程度、互聯(lián)網(wǎng)保險購買經(jīng)歷、網(wǎng)購保險的便利性、網(wǎng)購流程順暢性、對互聯(lián)網(wǎng)保險產(chǎn)品保障性認知以及周圍的社交環(huán)境;(6)結(jié)論和建議:結(jié)合需求影響因素對互聯(lián)網(wǎng)保險公司的客戶群體、銷售方法、渠道建設(shè)、流程設(shè)計、品牌提升以及產(chǎn)品創(chuàng)新等提出了相關(guān)建議。希望通過本文的系統(tǒng)研究,能豐富我國互聯(lián)網(wǎng)保險的理論研究,對保險公司的互聯(lián)網(wǎng)保險發(fā)展決策提供些許參考。
[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.
【學位授予單位】：河北經(jīng)貿(mào)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F842
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本文編號：1854401