The Study Of Public’s Insurance Behavior

At present, the study of the Chinese insurance industry was limited to the institutionalized commercial insurance and social insurance which arising from the West, but ignored the insurance-mode and insurance behavior arising out of the local Chinese. But I found through the analysis of China’s social insurance should be these two parts together constitute. Therefore this article taken the method of semi-structured depth interview and case Interview, start with the current main risk of the public to explore the characteristics and the logic of operations of the Chinese public’s insurance behaviors. Dig in the social foundation and structural causes behind of the public’s insurance behaviors.Through interviews, I found that public life faced with a lot of risks at the present. These risks can be classified as economic risks and the risk of non-economic; two types of risk are often appearing intertwined. The commercial insurance and social insurance behaviors of the public mainly to solve the economic risks or economic aspects of the risk. But because of the unsound of institutionalize insurance in China and the lack of insurance behaviors, the public’s commercial insurance and social insurance behaviors in the actual was failed. Varieties of traditional insurance practices are pervasive in public’s life, which were effective insurance behaviors to response to various risks to provide comprehensive protection for public life. Traditional insurance practice is a behavior with specific operation logic and stable structure. The Chinese society basis which produce and support this stability behavior, was also the foundation of the traditional insurance play the role, the Modern insurance system approach is bound to establish the environment it is must to adapted. Through depth analysis of characteristics and logics of the public’s traditional insurance behavioral, I found that the social basis and the root of the traditional insurance practices of the public able to produce and effective operation is:Families in china have a very stable structure, the family is isomorphic to the nation. But there have no virtual society in china. Chinese society is a unique relationship-based society posed by the many crises-crossing networks of relationships and has the instrumental pattern of difference sequence. At present the internal structure of the urban and rural society existed the binary or the polarization trend. With China’s social change and transformation, the families and societies dramatic changes in this process will have a significant impact on the public’s traditional insurance behaviors.Currently, traditional insurance acts of the public still play an irreplaceable role in our lives. Therefore, a clear understanding and consider how to take advantage of the public’s traditional insurance behaviors, to adjusted and improved insurance institution according to the social reality of the China, will be the key to promote vitality and vigor of the China’s insurance industry, will also be the key to better promote the construction of social security of China.