信任度对地震保险实际需求的差异性影响研究  

Research on the Differential Impact of Institutional Trust on the Actual Demand for Earthquake Insurance

作　　者：袁庆禄[1] 李楠 何伟铭 YUAN Qinglu;LI Nan;HE Weiming(Institute of Disaster Prevention,Sanhe 065201,China)

机构地区：[1]防灾科技学院,河北三河065201

出　　处：《灾害学》2023年第4期13-17,共5页Journal of Catastrophology

基　　金：国家社会科学基金项目(20BJY265)。

摘　　要：以“居民地震保险信任度调查问卷”为依据,构建Logit模型,研究机构信任度对居民地震保险购买需求产生的影响。结果表明:地震部门信任度的平均水平略高于保险机构信任度;地震部门信任度和保险机构信任度对地震保险需求均存在显著的正向影响;地震部门提供地震保险宣传服务,会对地震保险需求产生显著的正向影响。最后根据保险机构和地震部门两个方面,提出了提升居民对地震保险实际需求的建议。Based on the questionnaires of residents’trust in earthquake insurance,we construct a Logit model to investigate the impact of institutional trust on residents’purchase demand for earthquake insurance.The results show that the average level of trust in the earthquake department is slightly higher than the trust in the insurance institution;there is a significant and positive influence of both earthquake department trust and insurance institution trust to the demand for earthquake insurance;the provision of earthquake insurance publicity services by the earthquake department will have a significant positive impact on the demand for earthquake insurance.Finally,some suggestions are put forward to improve residents’actual demand for earthquake insurance through the insurance institution and the earthquake department.

关 键 词：机构信任度 地震保险 购买需求 差异化分析 

分 类 号：X43[环境科学与工程—灾害防治] X915.5[经济管理—保险] F840.64