中国旅游保险发展影响因素的实证分析

An Empirical Analysis of Factors Affecting the Development of Tourism Insurance in China

迄今为止,中国旅游保险业的发展相当缓慢,理论界对这种情况产生给出了多种原因解释,但这些解释都缺乏实证性研究。本文的探讨在广泛调查的基础上,使用Logistic回归模型,确定了各不同因素对民众购买保险积极性的可以量化影响。并在实证分析的基础上得出结论,认为民众保险意识还是影响我国民众购买旅游保险积极性的一个最重要因素。

By now the development of Chinese tourism insurance is very slow. Specialists in this field have given many explanations for this situation. But these explanations are short of empirical analysis. This article, based on the basis of widespread investigation, uses Logistic Model, to determine the influence factors on the purchasing tourism insurance, and draws the conclusion, through empirical analysis, that people’s insurance consciousness is the most important factor which affects the purchasing of tourism insurance