寿险营销人员知识素质结构与寿险业发展相关性研究

本文认为,寿险营销人员知识素质水平的高低直接影响着寿险公司的信誉和寿险市场的健康发展,它们之间成正相关关系.当前我国寿险营销人员知识水平普遍不高,对专业知识缺乏系统、深入的了解;综合能力不够,不能适应市场要求;职业素质良莠不齐,误导客户的现象时有发生;部分营销人员敬业、奉献精神不足,寿险营销队伍很不稳定.这些都已经严重影响到了我国寿险业的公信力和信誉度,影响到了寿险业的可持续发展.文章提出,为促进寿险业可持续发展,必须高度认识提高寿险营销人员知识水平和素质的必要性和迫切性;通过政府主管部门和寿险公司等多方面努力,多管齐下抓好寿险营销队伍建设;依托高等院校,培养高素质创新型、复合型寿险营销人才.     

Regional differences in development of life insurance markets in China

This study employs flexible Fourier unit root test proposed by Enders and Lee (2012) to examine the regional differences in life insurance market development in China. We find that property of stationarity for life insurance market development varies across different regions. Specifically, stationarity prevails in provinces with middle and low income, indicating characteristics of convergence and the possibilities to forecast future movements of life insurance activities based on past behavior, while 7 out of 10 provinces in high-income group show non-stationarity, suggesting unbound development in these regions and weak predictability. Justifications for the test results are presented from aspects of development of financial market, market structure of life insurance and business strategy of life insurance companies, and implications for policy-making are also given.     

引入运费险参数的电商利润优化模型分析

在网购盛行的同时,网购行为中更为常见的退货行为也给电商的利润带来了较大的不利影响。运费险诞生后,基于运费险的电商最优决策成为运营管理中的热点问题之一。将退货率及退货运费险引入经典报童模型当中,基于报童模型给出考虑退货运费的电商利润预测模型。基于商家是否购买运费险的决策,推导出不同情境下,商家的最优订货量及对应利润。通过具体算例,给出了电商利润的数值模拟。结果表明,商家在决策是否购置运费险时,应当考虑商品性价比、原有销量和利润、退货率、退货处理成本等因素。在对采购策略进行决策时,应当考虑最优订购量、进货成本。     

董事高管责任保险与企业创新效率——“因势利导”还是“推波助澜”？

基于激励与监督假说以及道德风险假说，理论探讨了董事高管责任保险对企业创新效率的影响和作用机理。研究发现，认购董事高管责任保险能够显著提高企业的创新效率，在进行一系列稳健性检验后上述结论依然成立。在进一步检验中对影响机理的研究发现，董事高管责任保险主要通过容错机制、监督机制对创新效率产生促进作用；同时考虑企业所处内外部治理环境对上述关系的影响，董事高管责任保险对创新效率的促进作用只存在于提供长期股权激励以及处于较高市场竞争环境的企业中；此外，董事高管责任保险对创新效率的改善效果主要体现在显著提高了创新质量并且优化了创新的产出结构。研究结论拓展了企业创新的驱动因素及其作用机理的研究，也为董事高管责任保险在企业中的良性发展提供了实践经验。     

Elderly Consumers' Knowledge Related to Medigap Protection Needs

Elderly consumers’ knowledge of Medicare coverage and the major factors they considered in purchasing supplementary health insurance were examined. Perceptions of the financial consequences of being hospitalized also were investigated. The findings based on a sample of Florida residents indicated that many older people may be ill-prepared to correctly assess their medigap protection needs and to choose wisely among alternative insurance policies if they decide to purchase supplementary coverage. Inadequate knowledge may result in unfulfilled expectations about protection when medical expenses are incurred, vulnerability to questionable insurance sales appeals and methods, and purchase of uneconomic duplicate coverage.     

Coercion in the selling of credit life insurance

Credit life insurance, which repays some or all of a borrower's outstanding debt in the event of death, has been a controversial subject for many years. Critics assert that, despite regulations that limit tied sales, pressure on loan officers to generate fee income through cross selling creates an incentive for coercion of borrowers. Allegedly, some sales techniques leave the consumer with the false impression that the purchase of credit insurance was necessary to obtain the loan. This article measures the frequency with which creditor efforts to sell credit insurance transform the sales message from persuasive to coercive. A methodology is developed for measuring the impact of coercive selling pressure applied to borrowers at the point of sale. Data used to measure the effect of coercive pressure are taken from an extensive survey of borrowers conducted during 1993. Not only are public policy concerns about coercion in the selling of credit insurance addressed, but more generally the article offers a methodology to quantify the influence of the customer's point-of-sale experience on the decision to purchase any financial service. © 1995 John Wiley & Sons, Inc.     

外资保险公司在华区位选择的决定因素——基于地级单位截取数据的分析

采用外资公司保费收入占比和外资公司机构数占比作为考察变量,利用我国2009年285个城市的分险种数据,通过托宾回归发现:市场规模、利润边际对外资保险公司进入的影响显著为正,而市场集中度和是否为中心城市的影响则显著为负;跟随客户战略只在财产险市场中得到支持,而金融业发展程度只在人身险市场中作用显著;从整体上来看,我国历史上"阶梯式"开放政策的持续影响已不显著。     

上海中外资保险公司竞争力排名研究

从实证角度出发,通过运用主成分法构建评价模型,对近期上海主要中外资保险公司的竞争力进行排名和比较分析。研究结果发现:中外合资寿险公司较中资寿险公司更具市场竞争力,而中资产险公司竞争力显著落后于外资保险公司;同时,无论是在寿险还是产险领域,中资保险公司与外资或中外合资保险公司的差距主要表现在综合运营能力方面。     

The impact of a captive insurance company's formation on a firm's value after the carnation case

One of the primary reasons previously cited for forming a captive insurance company is tax advantages based on premium deductibility. The IRS ruling in the Carnation Company case was the first time that investors experienced a decisive legal action signaling the possibility that premiums paid to captives might not be tax deductible to the parent company. The purpose of this paper is to determine if the investor's perceived lack of tax deductibility of premiums, based upon the Carnation case, has an impact upon the parent firm's value at time of captive formation. The results indicate that the market placed a high value on the ability of the parent company to deduct for tax purposes the insurance premium paid to its captive. Before the Carnation case there was a positive reaction by the market to captive formation whereas after the Carnation case, there was a negative reaction.     

Evaluating the purchase behaviour of organic food by young consumers in an emerging market economy

Promoting consumer purchase behaviour of eco-friendly products is key to environmental sustainability. This research aims to investigate how different factors may enhance or impede young consumers’ intentions to purchase a specific type of eco-friendly product, i.e. organic food. Data were obtained from 289 respondents in an emerging market economy, i.e. Vietnam. Multivariate data analysis using structural equation modelling revealed that food safety concern, health consciousness and media exposure to food messages played integral roles in the formation of attitude towards organic food. Interestingly, consumers’ environmental concern and food taste were of little value in predicting their attitude. Notably, perceived barriers (i.e. high price, inadequate availability, poor labelling and extra time required) significantly impeded both attitude and purchase intention towards organic food. The insights gained from this research extend current knowledge about pro-environmental behaviour in developing countries and they have important practical implications for marketers and other key stakeholders.     

浅谈寿险公司所得税制度构建

我国目前尚未形成适应寿险商品特殊性的所得税制度,这与现行市场条件下我国寿险业的发展是不相适应的。基于此,本文从寿险商品交易长期性、储蓄性及投资性出发,分析了我国构建寿险公司所得税制度的必要性,并借鉴国际上比较流行的寿险所得税课征模式,提出我国寿险所得税制度构建的大体思路。     

论市场因素对保险产品定价的影响

基于精算技术的保费厘定实际上是用一种成本定价方法,未考虑市场因素对价格的影响。即单个投保人之间对保险产品价格变化的容忍程度、价格空间的大小变化对顾客需求的影响以及不同组群的潜在投保人的需求差别。分析市场因素对保险产品定价的影响,保险产品差别定价的策略是保险业产品定价之良策。而保险业只有精算技术与市场分析结合起来才能挖掘保险产品深层次的潜力。     

金融海啸对世界寿险业的风险警示

我国寿险业在这次金融危机中受到一定影响,但没有造成全局性、系统性风险。金融危机对我国寿险业来说是一个调整契机：业务结构调整应当突出寿险业作为提供风险管理和风险保障者安身立命的行业特性,引导行业首先要保持和发挥自身的行业特性,重回寿险业独立的核心价值定位;避免降息对利差损造成的风险;积极改变投资策略,减少资本市场风险带来的收益波动;加强监管,避免系统性风险。     

基于电子商务平台网络团购模式研究

随着电子商务的迅猛发展，网络团购的出现，产生了一种新型电子商务模式“B2T”，FtpBusinesstoTeam。网络团购很清晰的商业模式很快得到商家和用户的认可。网络团购电子商务平台，是商家有效的营销平台，是用户买到物美价廉很最要的途径。组建网络团购门槛很低，国内团购呈现爆炸式的增长，有少数几家网络团购企业逐渐稳定成熟，但大部分网络团购面临着激烈＼残酷的竞争。有些企业缺乏市场调查和分析，比较盲目。本文对网络团购模式和市场运作进行了深入分析和研究。希望为一些网络团购企业有一定指导作用，对网络团购健康发展有所帮助。     

中国保险公司资本结构的影响因素及调整速度——产险公司和寿险公司的比较

本文利用1998—2010年中国大陆地区财产保险公司和人寿保险公司的业务数据和财务数据,在部分调整模型的基础上,通过差分GMM方法对二者资本结构的影响因素进行实证研究。本文发现,中国产险公司和寿险公司的目标资本结构与公司规模、公司成熟度的关联显著为正,与产品分散化、地理分散化、产品收支间隔期的关联不显著,而再保险利用只对产险公司影响显著。平均而言,每一年度中国产险公司和寿险公司分别可以调整目标资本结构缺口的42.1%和28.5%。     

RISK‐MINIMIZATION FOR LIFE INSURANCE LIABILITIES WITH DEPENDENT MORTALITY RISK

In this paper, we study the pricing and hedging of typical life insurance liabilities for an insurance portfolio with dependent mortality risk by means of the well‐known risk‐minimization approach. As the insurance portfolio consists of individuals of different age cohorts in order to capture the cross‐generational dependency structure of the portfolio, we introduce affine models for the mortality intensities based on Gaussian random fields that deliver analytically tractable results. We also provide specific examples consistent with historical mortality data and correlation structures. Main novelties of this work are the explicit computations of risk‐minimizing strategies for life insurance liabilities written on an insurance portfolio composed of primary financial assets (a risky asset and a money market account) and a family of longevity bonds, and the simultaneous consideration of different age cohorts.     

储蓄的生命周期现象与养老保险

近年来 ,中国寿险业务有了很大发展。但相对而言 ,农村寿险业务进展缓慢。研究和开发农村寿险市场 ,提供与农村居民相宜的寿险产品 ,具有一定的现实意义。本文通过对苏南农村居民的储蓄动机与行为的调查 ,揭示了农村居民的储蓄生命周期现象 ,并探讨了其蕴含的“商机”及养老保险产品的雏形     

Determinants of consumers’ purchase behaviour towards green brands

This study applies perceived risk theory to explore the factors that influence consumers’ purchase behaviour towards green brands, including green perceived quality, green perceived value, green perceived risk, information costs saved, and purchase intentions towards green brands. This study focuses on consumers who have the experience of purchasing products from green brands in the food and restaurant service industry in Taiwan. The results of this study show that purchase intentions are positively associated with purchase behaviour. Moreover, the study demonstrates that purchase intentions mediate the impacts of green perceived quality, green perceived value, information costs saved, and green perceived risk on purchase behaviour. Specifically, green perceived risk is negatively influenced by green perceived value and information costs saved and functions as a mediator among green perceived value, information costs saved, and purchase intentions. The study has critical implications for green brand researchers and practitioners.     

我国寿险市场区域差异的空间经济计量分析

近年来,我国保险业呈现出显著的地区差异,本文以我国寿险市场的地区差异作为考察重点。基于2009年我国各省区寿险市场的截面数据,从空间计量经济学角度,采用Moran I指数以及Moran散点图考察我国寿险市场区域差异的空间特性。在此基础上,利用空间滞后模型结合空间误差模型实证分析导致空间格局差异的成因。     

Methods of Pre-testing Advertising

Copy-testing methods must be both valid and informative if they are to assist in the selection and revision of advertising content. Current methods often fail to fulfil one or both of these requirements. Tests are likely to be valid when they measure purchase behaviour in natural settings using completed advertisements. Such market tests are valuable for choosing between alternative copy but at this stage they are often made too late to be of help in modifying advertisement content. Some tests based on responses to the advertisement appear to be informative but fail to predict purchase or purchase intention. Theories of advertising effect are reviewed. Whether advertisements work informatively, through persuasion or through post-purchase reinforcement, it is likely that intention to buy will indicate advertising effectiveness better than other subjective criteria will. A method of belief analysis is proposed, based on attitude-behaviour theory. In this procedure, intention to buy is used to predict purchase, and measures of beliefs about purchase are used to reveal the likely determinants of purchase intention. Experimental tests show which purchase-related beliefs change when potential consumers are exposed to product information via storyboards, videotapes, group discussion, product presentation or completed commercials. This method identifies the relevant factors most closely related to buying intention and measures their potential for change.