| From 2001 to date,the market reform of vehicle insurance rate has gone through several stages of trial,stagnation,repreparation and steady progress.In the course of the reform,some achievements have been achieved,and the continuous development of the automobile insurance market in China has been promoted.However,there are still some problems in the market reform of automobile insurance rate in our country,such as consumers ’misunderstanding,financial insurance companies’ malignant competition and insufficient supervision and supervision.According to the existing research,the research on the market price of commercial vehicle insurance mainly focuses on the analysis and evaluation at the theoretical level,and lacks relevant empirical test.The research scope is the whole study of our country,focusing on the pricing and coping strategies under the market reform of our country’s automobile insurance rate,and rarely the business situation of a particular area or city.In addition,in the research aspect,the existing research is mostly based on the insurance company,the government level,the consumer level of research is also lacking.Therefore,based on the study of domestic and foreign scholars,this paper takes the behavior of automobile insurance consumers as the research object,and designs the questionnaire based on Maslow’s theory of demand,consumer decision,supply and demand theory and insurance commodity price theory.In the selection of the survey area,taking the pilot province as the study area,Shandong province as the sample local,through the questionnaire form,the study on the behavior of consumers in Shandong province.Based on the data collected,the basic statistical analysis was carried out from five aspects: personal factors,cognitive factors,economic factors,vehicle factors and policy influencing factors,and then the empirical analysis of the survey data was carried out by means of the reliability and validity test,the ka-square test and the logistic regression analysis.Through the comparative analysis of the relevant empirical results,it is found that the factors thataffect the behavior of automobile insurance consumers include age,purchase price,monthly income status,awareness of the rate linked to the number of risks,the effect of the change in business fare on consumer premiums,the effect of the change in business fare on the phenomenon of high insurance and low compensation.Therefore,consumers should get out of the misunderstanding,strengthen insurance knowledge learning,establish the awareness of integrity;The insurance company should change the business concept,enhance the brand value,design new insurance,develop new products,and strengthen the study and publicity of the policy of cost modification.The government should improve the supervision system,change the supervision mode,and learn from the practice experience of other countries,so as to promote the further development of the market reform of the vehicle insurance rate. |
