基于感知价值的车险投保群体识别及其匹配方案

Group Identification and Matching Schemes of Automobile Insurance Based on Perceived Value

为解决车险产品的供需矛盾,依据感知水平划分车险投保群体,并利用问卷获得的数据对各类投保群体的行为特征及相关性进行实证分析。分析结果表明:车险投保人在感知利益和感知风险方面存在显著差异;高感知利益-高感知风险类群体占比最高,感知利益对此群体行为的影响高于感知风险,各观测变量对感知利益的影响强度依次是保险免责认知度、产品丰富程度、公司规模和产品满意度;投保时保费占月工资比例越高、购买第三者责任险限额越低的投保人,感知利益越高;购买险种越多的投保人,感知风险越高。最后对4类车险投保群体提出车险承保方案的匹配建议。

To solve the supply and demand contradiction of auto insurance products, automobile owner groups are divided based on the perceived difference, and the data obtained from the questionnaire is used to analyze the behavior characteristics and correlation of automobile owner groups. The results show that auto insurance insured have significant differences in perceived benefits and perceived risks; the group with high perceived benefits and high perceived risk accounts for the highest proportion, and perceived benefits on affecting group selection is more than perceived risk. The sequence of impact intensity of perceived benefit is insurance exemption awareness, product abundance degree, company size and product satisfaction; the higher the proportion of insurance premiums to monthly wages and the lower the liability limit of third-party insurance, the higher the perceived benefit is, and the more people who buy the number of insurance have, the higher the perceived risk is. Finally, the design suggestions on the matching schemes of auto insurance underwriting for 4 groups of groups are put forward.