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題名: 景氣循環對保險購買行為影響之研究
Empirical Analysis of the Influence on Business Cycle in Behavioral Insurance
作者: 吳俊德
Wu, Jun-De
貢獻者: 彭金隆
Peng, Jin-Lung
Wu, Jun-De
關鍵詞: 景氣因子
Prosperity factors
Investment sentiment
Insurance purchase
Sum assured
日期: 2021
上傳時間: 2021-08-04 14:55:31 (UTC+8)
摘要: 本文主要研究景氣循環對於保險購買行為的影響,透過文獻的回顧,進一步推斷景氣的變動會影響人們心理情緒,而改變自身的風險偏好與衡量標準,藉由總體經濟變數作為民眾判斷景氣的指標,觀察民眾於景氣波動下的風險感受是否會反應在保險金額的選擇上。
The article mainly studies about the impact of the business cycle on insurance purchase behavior. Through literature review, it is further inferred that the business cycle fluctuation will affect people’s psychological emotions and change their own risk appetite and measurement standards, so based on the overall economic variables as an indicator for the public to judge the prosperity. Observe whether the public's risk perception under business fluctuations will be reflected in the choice of sum assured.
We use one of the top five life insurance companies of a certain domestic asset as a sample, and use the most recent business cycle base date as the data period to conduct an empirical study The empirical results found that when the economy worsens, the insured person’s risk awareness will increase and he will purchase a higher insurance coverage; on the contrary, when the economy rises, it will cause The insurer’s risk awareness weakened and lowered the amount of insured purchases. We further use the response of the stock market as an indicator of the public’s judgment on the prosperity, but the empirical results are less significant. We speculate that not all people who buy insurance will participate in the stock market. Finally, we divide the business cycle into an "expansion period" and a "contraction period" and observe whether the insured amount purchased during the contraction period will be significantly greater than the expansion period, and found that the amount of insured purchase during the contraction period is indeed greater than the expansion period.
Through the research in this article, we can provide insurance companies to implement corresponding marketing strategies and promote business promotion according to different business conditions. In addition to making insurance companies more efficient in product sales, it can also create more sales opportunities.
參考文獻: 一、中文資料
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描述: 碩士
資料來源: http://thesis.lib.nccu.edu.tw/record/#G0108358021
資料類型: thesis
顯示於類別:[風險管理與保險學系 ] 學位論文


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