Research Of The Requirement And Activity Of The Dweller Family's Insurance Based On Questionnaire Investigation

The insurance market has got a great progress ever since it was reopen inchina, and become one of the trade that develop faster. Otherwise it is still inits original stage and the lap with the developed country is large. One side theeffective insurance demand is obvious lack,the other side there are someimmature consuming activities. The fact that influce people's buying activesand people's consume have changed much with the development of china'sreinform and open policy. Such policies as the revoke of allocating houses ascompensation, the transformation of social pension system etc ,has resulted inpeople's requirement for insurance. Some other facors like the increasinginvestment to children's education, and the universities shigh tuition all makepeople to think about buying insuance. This paper want to research thesequestions about the most important fact and people's insurance consumers.The author made the demand of insurance to the masterstroke. First applythe theory of insurance demand and the theory of behavioral economice to theinsurance of dweller family. Second the author describe the rational anirrational behavior of dweller family about economic,culture,society, family's structure factor, though a large number of investigation to hangzhouinsurance market .Thirdly ,some multi-satistic analysis methods, such asFactor Analysis, Logistic Regessire and Cluster Analysis were used, and thesoftware SPSS also gave a help to rain out the facts that result in therequirement for insurance, and find out the difference of vary family's.insurance demand to try to analysis the insurance marketing.By the verification and research, the author raised some conclusion forus:1.the value of people and the family's structer are also the factors thatinflucing the requirement of family's insurance. 2.the lackless of risk'sconsciousness is the most important factor ,so it is the key reason that theeffective insurance demand is lack. 3.the dweller family's insurance canclass six clusters such as young,tradition,acceptance,suspicion,demand andfinancing.4.the consumer of insurance is immature.5.the family's incomingwill incruse the requirement of insurance.By such researchs,one side we canconclude the insurance company should strengthen advertisement and applyspecial sale to fractionize market,the other side the consumer should buyinsurance rationly based on their demand.