| In recent years,bank insurance has grown rapidly.Major banks have rushed to cooperate with insurance companies.Each bank has established its own insurance company to expand its business scope.In 2017,China Insurance Regulatory Commission issued Document No.134,which imposes stricter regulations on the sales of personal insurance.The document states that universal insurance and investment insurance cannot exist in the form of additional insurance,and can only be sold separately.The return period of annuity insurance must not be low.In the five years,the process of underwriting has also become more stringent.These regulations will have a greater impact on the sale of life insurance.As the main force of personal insurance,bank insurance is bound to be affected to a certain extent.In the face of this situation,how insurance companies conduct innovation on products and how the cooperation with commercial banks will develop becomes an important issue.In such a fierce market,the factors influencing consumers' willingness to buy bank insurance also become very complicated.Consumers' personal characteristics,buying habits,and national policies will have a certain impact on the bank's insurance market.Determining the significant factors affecting the bank's insurance demand provides insurance companies with certain information that they can use for reference in their future product research and development.The author used survey statistics and empirical analysis to analyze the factors affecting the bank's insurance demand,and completed the article on the bank.An investigation report on the factors affecting insurance purchase intention.This paper takes the bank insurance of Shijiazhuang City as the research object,and from the perspective of consumers,based on the research results of the predecessors,the factors affecting the development of bank insurance in Shijiazhuang are attributed to seven categories,and the research is mainly achieved through questionnaire surveys.Data and data.Based on this information,the paper finally made several opinions and suggestions on the further development of bank insurance in Shijiazhuang City through different descriptive statistical analysis and empirical analysis.This article is divided into six parts: The first part is the introduction part,which mainlyintroduces the background and significance of the topic,research methods,and combs domestic and foreign research literature on bank insurance.The second part analyses the development status of China's bank insurance,mainly analyzing the development scale,major development models,and major product types of China's bank insurance.In the current situation,it also conducts the development status of China,Hebei Province,and Shijiazhuang Banking Insurance.analysis.The third part makes theoretical assumptions on the purchase of bank insurance from consumers in terms of their basic situation,company brand,product and service conditions and other influencing factors.In the fourth part,a survey questionnaire was designed to investigate the influencing factors of bank insurance purchase intention in Shijiazhuang City,and the questionnaires were distributed and collected.Statistical data was used to process the data of the questionnaires,which affected the willingness to purchase bank insurance in Shijiazhuang City.Factors for analysis.The fifth part,through empirical analysis,establishes a binary logistic regression analysis model and empirically analyzes the data of the questionnaire.The result is that the following factors have a significant impact on the demand for bank insurance: gender,residence,and bank insurance,respectively.Product purchase experience,purchase convenience,product purchase purpose,salesperson professionalism,product reliability.In the sixth part,combined with the results of customer surveys,relevant suggestions were put forward in terms of product design,market segmentation,service quality,and brand image construction. |
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