摘要
识别影响居民巨灾保险需求的影响因素对于建立合适的巨灾保险制度具有重要意义。本文以地震风险为例,选择北京、大理、成都进行了抽样问卷调查,得出的研究结果表明,居民对于地震风险的认知是影响其保险需求的关键因素之一,并且居民关于地震风险的不同类型的认知对地震保险需求的影响不同。另外,居民的防损行为、年龄和受教育水平、灾后的政府救援政策也是影响居民地震保险需求的显著因素。
Identifying factors affecting residents＇ catastrophe insurance demands is important for the successful im- plementation of the catastrophe insurance system and related policies. This paper used earthquake as the case for study,and conducted a questionnaire survey in Beijing, Dali and Chengdu. Our results showed that earthquake risk perception was one of the key driving forces determining residents＇ earthquake insurance demands, and the various types of risk cognitions about earthquake exerted different effects. Other significant factors affecting insurance demands included residents＇ risk prevention activities, age and education level, and the earthquake existing earthquake relief policy.
出处
《保险研究》
CSSCI
北大核心
2015年第2期14-23,共10页
Insurance Studies
基金
国家社会科学基金重点项目(项目编号:11AZD011)
国家自然科学基金青年项目(项目编号:71201029)的资助
关键词
巨灾风险
保险需求
风险认知
catastrophe risk
insurance demand
risk perception
