Research On The Satisfaction Impact Factors Of The Rural Housing Earthquake Insurance In Dali,yunnan Province

Yunnan Province has been one of China's earthquake disasters suffered serious provinces since ancient times.The frequency of earthquake disaster in Yunnan Province is high.And the magnitude of earthquake disaster in Yunnan Province which can affect a wide range is large.Every year the direct economic losses caused by earthquake disasters in Yunnan Province are large.Since 2015,it has started the Rural housing earthquake insurance pilot in Dali Bai Autonomous Prefecture,Yunnan Province.It is not only the first example in China but also marks a new stage in the study of earthquake insurance.The rural housing earthquake insurance in the pilot period as a kind of public goods is provided to local residents and the premium is fully undertaken by the government.Along with the rural housing earthquake insurance in recent years,the attitude and demand of local residents for rural housing earthquake insurance have been the important factors in the study of earthquake insurance by the government and the insurance companies.So the study is based on rural housing earthquake insurance Developing reality in Dali Bai Autonomous Prefecture,Yunnan Province.It sums up the problems and difficulties that exist in the process of development and introduces the situation of earthquake disaster in Yunnan Province.On the basis of the theory of public goods and the theory of satisfaction,the study illustrate the particularity of rural housing earthquake insurance.After a questionnaire survey of 300 local residents in Yunlong County and sorting out the data,based on the model of logistic earthquake it makes the evaluation of satisfaction on the rural housing insurance to local residents.It sorts out and analyzes the factors that affect the satisfaction to the insurance.The study conclusions are as follows:(1)According to the empirical test,it finds that these five factors which are age,family income,understanding of insurance,awareness of risk prevention and education are important variables that affect satisfaction and this significant impact provides the government and insurance companies with the basic idea of improving the level of satisfaction.(2)The government should increase the publicity of insurance.To make the local residents fully aware of the specific content and role of insurance through the way of publicity and promotion can contribute to the good development in the local rural housing earthquake insurance.At the same time,the government should carry out the work of poverty alleviation and poverty reduction in depth and take the efforts to improve the economic level of local residents in case to improve the ability to resist risk.And the government should speed up the establishment of a long-term mechanism to support local earthquake insurance to widen the government's support for local residents.To strengthen the investment in local education so that local residents can improve their cultural level and improve their willingness to participate in insurance.(3)For insurance companies,risk management should be strengthened and the potential risks are strictly controlled.To improve the seismic risk protection ability,reduce the management cost,improve the level of premium through the efforts of the government,thus expanding coverage of the rural housing earthquake insurance,let more people enjoy the insurance.