Research On Consumers For The Risk And Insurance Awareness Of Single-use Commercial Prepaid Cards

In recent years,the handling of prepaid card consumption has become a marketing method for many businesses,but there is a big risk of consumption behind it.Once a business runs and closes,consumers will suffer economic losses,which has a great negative impact on society.The market for prepaid card performance guarantee insurance is huge.The author hopes to introduce prepaid card insurance to solve the risk of the current prepaid card consumer market,and create a good environment for the development of prepaid cards,so that both the insurance industry and consumers benefit.Therefore,this paper analyzes consumers' perceptions of prepaid card risks and prepaid card risk insurance transfer methods through market research.The content of this survey mainly includes basic consumer information,consumers'understanding of prepaid card risks,consumers' attitudes toward prepaid card risks,and actions taken by consumers to cope with prepaid card risks.After the data is sorted,the multi-ordered Logistic model is used to analyze the risk factors that may affect consumers'single-use prepaid cards.A total of six factors have passed the test.Among them,the male consumers,the more familiar with the prepaid card content,the prepaid card risk The more channels and risk experience,the higher the awareness of prepaid card consumption risks for consumers who have experienced it themselves or who have been exposed to risks by people around them.The factors affecting the consumer's perception of prepaid card performance guarantee insurance are analyzed.There are four dependent variables passed the test,and the degree of education has the greatest impact on the prepaid performance guarantee insurance.In addition,prepaid card performance guarantee insurance,as an emerging insurance innovation product,must give consumers a high degree of awareness,whether it is an insurance company or a government-related department to strengthen publicity and guidance.