| Family property Insurance is a kind of insurance which takes the family property of urban and rural residents as the subject of insurance and is one of the leading insurance types in our country.The family property insurance mainly includes all risks,comprehensive insurance,individual insurance,additional insurance,Provident Fund family Property Insurance,investment financing type insurance and so on,and has the characteristics of broad coverage,low rate,high protection degree and good social benefit.With the rapid development of property insurance market in China,family property insurance,as a kind of insurance for the target of the family property of the urban and rural residents,is one of the early "third risks" in our country.Since 1980 China began to restore the insurance business has been in the sustainable development,is the property insurance development of the fastest one of the insurance,broad coverage,high recognition.But the family property insurance of our country has experienced the development,the rapid growth,the depressed three stages.At present,the development of family property insurance has some problems,such as small market size,small business proportion,and low insurance rate.2012,China's insurance market premiums scale of 533.1 billion yuan,the family insurance premiums only 2.847 billion yuan,premiums accounted for only 0.53%,and Shanghai,Beijing and Guangzhou and other big cities in the insurance rate is only about 7%,small and medium-sized City home insurance rate is lower.However,in developed countries,the average rate of insurance coverage for the family property is above 70%.This result shows that:the development of our country's insurance has lagged behind the international level severely.Such foreign attention and its products have a real demand for the insurance products why in China but into the development dilemma?At present,the potential demand for family property insurance should be huge,but the sufficient demand of the real estate is severely insufficient.Therefore,it is necessary to study the influencing factors of family property insurance demand.Taking Fuzhou as the object of study,this paper firstly expounds the development of Fuzhou family property insurance,analyzes the existing problems,and then makes an empirical analysis of the influential factors of Fuzhou family property insurance from macroscopic and microscopic two aspects,and finally puts forward some policy suggestions.In the process of research,factor analysis and regression analysis are used to draw the following main conclusions:(1)Fuzhou family property insurance business supply sufficient,but the competition is not enough.The insurance premium income has been declining in recent years,the property insurance business is mainly based on auto insurance and the business insurance,and the business accounting for the properties is meager.(2)macro-influencing factors have a significant impact on the macro-demand of PICC,and the regression results show:Economic growth,income level,and interest rate have positive effects on macro demand,and inflation,fixed asset investment,and market competition have an adverse impact on macro demand.(3)The microcosmic influence factor has the remarkable influence to the microcosmic demand of the personal insurance,this study will take the individual question of the questionnaire as the independent variable,and the regression result shows that:gender,age,marital status,personal monthly income have positive influence on the microcosmic demand of the insurance,and the education,profession and occupation do not pass In the scale factor,5 factors are summed up as the covariance,among which the marketing channel,product innovation and personnel quality have positive influence on microcosmic demand,and the residents'risk awareness and propaganda way are not significant. |
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