The Application Of Business Education Insurance In China's Higher Education

In recent years,higher educations in every country grow rapidly and also have a great achievement.However,with the rapid development of colleges and universities,the problem of insufficient funding for higher education has become increasingly prominent.Every country tries to analysis and finds solution for this problem of insufficient funding for higher education.This research will focus on the study of the higher education expenditure in China,study the burden of education expenditure which the middle class families need to bear,meanwhile in the search of solution for this issue,investigate the way of the United Kingdom,Australia,South Korea and other countries to cope with higher education tuition fees.From the study found that compared to United Kingdom and Australia whose mainly rely on government spending,tuition and security measures,sales and service income,to carry out international cooperation in higher education and other commercial insurance to solve the problem of tuition with higher operational feasibility.Therefore this research built indication system from the study of South Korea's commercial education insurance on the basis of the two countries similarity in education and insurance products,through the China and South Korea's four major insurance companies(South Korea teach life,Korea Dong Yang life,Kang Tai Insurance Company,Ping An Insurance company).In the process,analyze the development of commercial education insurance China,then study the success stories of South Korea's case to find the basic indicators which needed to apply for the development of commercial insurance in China's education system,as to serve for the higher education commercial insurance model design.Meanwhile,spread the questionnaires,and use two perspectives to analyze,and to assess the extent of market demand for such insurance products.The other perspective is from the actual insurance companies,it is to explore the confidence of the introduction of such products.In the establishment of the indication system,using the China and South Korea commercial education insurance,refining the index system of commercial education insurance implementation in China,also completed the commercial education insurance adaptability analysis.Second,statistical analysis was made from the collected questionnaire with SPSS programs,also statistically analyze on the willingness to insure and the ability to insure the constituent factors.In the determination of the weight,the entropy method is used to measure each indexes.Mainly,analyzed and discussed the insured and insurance sellers of higher education commercial insurance in China to learn if the implement is feasible,therefore,line out identification of the problems,built theindication system,analyzed the survey data statistically,using the entropy weight analysis,lastly,analyze on the willingness to insure and the ability to insure based on similar study from South Korea,and compare it with the China's.The innovation of this research is mainly manifested in the following two aspects: First,to explore through the commercial education insurance to meet the student family expenditure needs on higher education.Second,to further improve China's commercial education insurance system,including the financing of higher education.The topic of commercial education insurance is a new field of continuous change and development.The research on some problems in this paper is not deep enough,and it is hoped that in the future study and research can study and make up the deficiency.