金融学院知识库

  近年来，我国的经济发展水平有了质的飞跃，上了一个新的台阶，随之，居民的收入不断增加，所拥有的家庭财产逐渐增多，同时因盗窃、火灾等造成的家庭财产损失也在逐年上升。本应在保障家庭财产安全和维护家庭与社会稳定方面发挥重要作用的家庭财产保险却缺位严重。目前我国家财险的投保不足10%，与发达国家平均70%以上的投保率水平相比有着巨大差距，也与我国财产保险业整体的快速发展形成了鲜明对比。因此，研究家庭财产保险的需求问题具有重要的现实意义。

  本文把研究对象立足兰州市，分析兰州市家庭财产保险的发展状况，利用问卷数据对兰州市的家财险需求进行研究，探索影响兰州市家庭财产保险需求的因素。研究发现：兰州市家财险市场结构并不均衡，市场竞争不充分，缺乏应有的市场活力。与财产保险相比，兰州市的家财险业务发展缓慢，保费收入较低；在现阶段，兰州市居民由于对家庭财产的风险意识较差、对家庭财产保险的不了解、居民需求与保险产品不匹配，这些情况导致了兰州市居民对家财险缺乏需求，家财险的投保力度较小；在家财险需求的影响因素中，居民的年龄对家财险需求的影响为负，受教育水平和家庭收入对需求的影响较为显著。居民的保险意识、对家财险的了解程度以及认为购买家财险是否具有必要性，都对家财险的需求有着显著的正向影响。

  根据研究结果，本文提出如下对策建议：保险公司应加强保险知识宣传，提高兰州市居民的保险意识水平；增加居民的可支配收入，增强购买家财险的经济能力，同时不断为家财险销售寻求新的渠道；以市场需求为主，在产品上加以创新；在家财险配套服务方面加以完善，在销售和理赔方面提升消费者满意度，同时不断提高保险人员的素质。

      In recent years, my country’s economic development level has made a qualitative leap and reached a new level. With that, the income of residents has continued to increase, and the family property they own has gradually increased. At the same time, the loss of family property caused by theft and fire has also increased. It is rising year by year. Family property insurance, which should play an important role in protecting family property safety and maintaining family and social stability, is seriously absent. At present, the insurance coverage of property insurance in our country is less than 10%, which is a huge gap compared with the average insurance rate of more than 70% in developed countries. It also forms a sharp contrast with the rapid development of my country's property insurance industry as a whole. Therefore, studying the demand of family property insurance has important practical significance.

      Based on the research object of Lanzhou City, this paper analyzes the development status of Lanzhou's home property insurance, uses questionnaire data to study Lanzhou's home property insurance demand, and explores the factors that affect Lanzhou's home property insurance demand. The study found that the structure of the Lanzhou home property insurance market is not balanced, the market competition is insufficient, and the market vitality is lacking. Compared with property insurance, Lanzhou’s home property insurance business has developed slowly, and the premium income is low; at this stage, Lanzhou residents have poor awareness of family property risks, lack of understanding of family property insurance, and residents’ needs and insurance. Product mismatch, these conditions have led to the lack of demand for home property insurance in Lanzhou residents, and the intensity of home property insurance is relatively small; among the influencing factors of home property insurance demand, the age of residents has a negative impact on the demand for home property insurance. Education level and family income have a significant impact on demand. Residents’ insurance awareness, understanding of home property insurance and whether home property insurance is necessary have a significant positive impact on the demand for home property insurance.

       Based on the research results, this article puts forward the following countermeasures: insurance companies should strengthen insurance knowledge promotion and raise the level of insurance awareness of Lanzhou residents; increase residents’ disposable income, increase the economic ability to purchase property insurance, and continue to sell property insurance for home insurance. Seek new channels; focus on market demand and innovate products; improve the supporting services of home property insurance, improve consumer satisfaction in sales and claims, and continuously improve the quality of insurance personnel.