家庭人口年龄结构对商业保险投保决策的影响研究——基于CHFS数据的灰色关联分析

Research on the Influence of Family Population Age Structure on Commercial Insurance Application Decision——Grey Correlation Analysis Based on CHFS Data

在家庭人口年龄结构的视角下运用灰色关联分析法,量化分析其对家庭商业保险投保决策的影响,研究结果显示:家庭规模、14岁及以下人口占比对家庭商业保险投保决策的影响较大;家庭就业人口占比是影响家庭商业保险投保决策的重要因素;65岁及以上人口占比对家庭商业保险投保决策的影响最小,但关联度仍然很高。研究发现家庭人口年龄结构对商业保险投保存在不同程度的影响,并从家庭、保险公司、政府三个层面为我国商业保险的发展提出建议。

From the perspective of the age structure of the family population,the grey correlation analysis method was used to quantitatively analyze the impact on the insurance decision of family commercial insurance,and the results showed that the fami-ly size and the proportion of population aged 14 and below had a greater impact on the decision of family commercial insurance application.The proportion of family employed population is an important factor affecting the decision of household commercial insurance application.The proportion of the population aged 65 and over has the least impact on the family's commercial insur-ance application decision,but the correlation is still high.The study finds that the age structure of the family population has dif-ferent degrees of influence on the investment and retention of commercial insurance,and makes suggestions for the development of commercial insurance in China from the three levels of family,insurance company and government.