大学生电脑损失保险市场需求问题分析  

Need Analysis of College Student's Computer Loss Insurance

作　　者：陈小岚[1] 江格琪[1] 刘绍良[1] 粟榆[1] 

机构地区：[1]广东金融学院,广东广州510521

出　　处：《保险职业学院学报》2013年第1期28-32,共5页Journal of Insurance Professional College

摘　　要：随着个人计算机在大学生群体中日益普及,大学生势必成为电脑保险市场需求新的增长点。但由于我国保险业起步晚、保险制度不成熟等原因,保险产品创新还相对滞后,国内市场缺乏提供大学生电脑损失保险的产品。通过对广州市内各大高校的调查,分析不同高校影响电脑安全的风险因素,扫描国内市场需求现状,剖析大学生电脑损失保险推行的可行性,为拓宽市场提出具体的解决方案,进一步促进保险市场的产品创新。With the universal use of personal computers by college students, there is an inevitable new growth for computer insurance market demand. However, because insurance industry starts late in our country, its insurance system is not mature, and of other factors, the insurance product innovation relatively lags behind and there is still no insurance products on computer loss in domestic market. Through investigation into universi- ties in Guangzhou City, an analysis on the risk factors which influence computer safty was made. Scanning the domestic market demand situation for computer insurance and analyzing the feasibility of college students＇ com-puter loss insurance, this paper aims to put forward specific solutions for broadening the insurance market and further promote products innovation in insurance market.

关 键 词：大学生电脑损失 保险创新 市场需求 对策建议 

分 类 号：F846.65[经济管理—保险]