“60前”消费者玩转高科技产品基于反向代际影响调节作用的实证研究

针对1960年以前出生的50岁以上、居住在城市的消费者,研究了不同年龄、教育背景和月收入水平的年长消费者在高科技产品购买意愿方面的差异性,以及决策风格对于高科技产品购买意愿的影响。此外,本文还探讨了年轻一代对于年长消费者的影响,即反向代际影响对于研究人群的决策风格与高科技产品购买意愿之间关系的调节作用。本文通过研究发现不同年龄、教育背景和月收入水平的年长消费者在面对高科技产品时的购买意愿不同。同时,消费者的购物决策风格也会影响到消费者对于高科技产品的购买意愿。此外,反向代际影响对于决策风格和购买意愿之间的关系具有正向调节作用。最后,本文还根据研究结果给出了相应的管理建议。     

教保户如何见招拆招

陷阱1：人情保单 刚开始做保险的人，通常都向亲朋好友推销自己公司的保险。碍于面子，朋友们多少会买上一份保险。通常消费者在购买“人情保单”时总是过分依赖代理人，往往会在不知情或者不明白内容的情况下投保。因此，消费者在购买保单时一定要向朋友问清楚投保内容以及免则条款等，以规避自造陷阱，给朋友和自己留下遗憾。     

内部购物环境中员工制服颜色对消费者购买意愿的影响

文章以内部购物环境为背景,探讨员工制服颜色对消费者购买意愿影响的内在机制。通过三项实验研究发现:员工制服颜色对消费者感知产品质量的影响会受到产品类型和消费者知识的调节,进而影响消费者的购买意愿,蓝色员工制服会使新手型消费者对科技类产品有更高的产品质量感知。并且,员工制服颜色(积极或消极)会通过消费者情绪对消费者购买意愿产生影响,积极颜色的员工制服对消费者情绪有正向影响。研究结论有助于企业针对不同产品类型和消费者产品知识水平,通过员工制服颜色来提升消费者的购买意愿,特别是科技型企业应该选择积极颜色的员工制服,来提升新手型消费者的产品质量感知和购买意愿。     

北京消费者汽车选择偏好因素研究

中国现在是世界上增长速度最快、且规模最大的汽车市场之一,世界各大汽车集团都争先恐后地进入中国,并纷纷推出各自的名牌。北京作为中国的首都,汽车销量名列全国各大城市之首,本研究通过对北京消费者进行问卷调查,探索消费者在购买汽车时的选择偏好,分析消费者更喜欢哪一国、哪一公司品牌和哪种类型的汽车,以及消费者购买汽车的信息来源,并建立一个用于分析消费者购车偏好因素的模型,测试对消费者汽车购买偏好起影响作用的因素。     

消费者心理与POP广告设计

现代市场经济条件下，消费者成为市场中的重要因素。研究消费者心理越来越受到人们的重视。POP广告是近年来风行于各商业场所的一种活泼有意味的新型广告形式，在商品的促销方面起到积极的作用。优秀的POP广告能够打动消费者心理，从而影响其购买行为；消费者心理又会反作用于POP广告的设计制作。因此，研究消费者心理对于POP广告的策划、设计具有重要的意义。     

一诺千金，慈石招铁

最近中国保监会主席吴定富在保险社团调研时指出：“要下大力气保护保险消费者利益,同时加强行业自律体系建设,规范会员公司经营行为。”如何做到这一点？归根到底还是“诚信”二字。保险公司是经营风险的企业。人们将风险通过购买保险的方式,转嫁给保险公司。如果投保人对于向哪家保险公司投保保险,转嫁风险本身都成为一种风险的话,那就值得保险业的深思了。     

消费者购买决策的研究——基于感知风险

消费者在购买产品时,总是在感知利得与感知利失之间进行权衡。过去大多数的营销重点都是放在增加顾客利得方面,而对于减少感知风险的研究甚少。本文从消费者感知风险的角度出发,研究消费者感知风险意识以及减少风险的行为,提出识别和面对消费者的感知风险,是企业攻破购买阻力的重要途径。     

电子商务环境下消费者行为特征及企业应采取的营销策略

本文通过对影响消费者网上购买行为的因素分析、消费者网上购买行为的特点分析,进而总结出针对电子商务环境下的消费者行为特征企业应采取的营销策略。     

武汉市居民的农产品购买行为探析——来自超市和农贸市场的实地调研

文中以在超市和农贸市场购买农产品的消费者为研究对象,通过在武汉市发放问卷,分析了武汉市消费者在超市和农贸市场不同的农产品购买行为,并针对超市农产品的购销提出了一些对策建议。     

企业公益行为对消费者购买的影响

本文基于265位消费者的问卷调查数据,实证研究企业公益行为影响消费者购买的机制,并将其和服务质量、产品质量等因素的影响机制进行比较,为企业通过非市场行为获取竞争优势提供理论依据。研究发现发现:企业公益行为有助于提高品牌形象、增进消费者的忠诚度,并最终对消费者购买产生正向影响。此外,企业公益行为还通过影响客户信赖度进而影响客户忠诚度,最终促进消费者购买。研究表明,企业公益行为作为竞争策略是可行的。企业公益行为能够间接增加消费者购买,从而提高企业的收入。此外,产品质量、服务质量等措施也经由客户信赖、品牌形象和客户忠诚等中间机制间接促进消费者购买,这些措施可以与企业公益行为一起发挥作用。     

Interpreting the estimates from four national surveys of the number of people without health insurance.

Four national surveys conducted between 1977 and 1980 seem to yield four different estimates of the number of people under 65 years old who lack health insurance. In this paper four explanations for the different estimates are assessed. The sample framework designs and methods for ex post weighting of the surveys' respondents are very similar. Nonresponses to the health insurance questions on the surveys were handled differently, and this remains a possible explanation of some of the differences in the estimates. But the most likely explanation of the differences is the following. Three of the four surveys ask people about their health insurance at the time of the interview. The fourth, the Current Population Survey, asks people about their health insurance during the previous year. But the Current Population Survey estimate of the uninsured population is remarkably close to the point-in-time estimates from the other three surveys. The same holds true for the surveys' estimates of the Medicaid population and people covered by private health insurance. Hence, if we assume that the Current Population Survey respondents are answering the health insurance questions with respect to when they are interviewed, the four surveys' estimates of the uninsured population at a point in time are very similar.     

我国医疗保险制度存在的问题及对策研究

我国新医改方案推行3年来,用最短的时间编织了世界最大全民医保网,但还存在着社会医疗保障供给与老百姓的医疗保障需求之间差距较大;社会医疗保险的责任范围较小;老百姓的医疗费用负担较重;医疗机构改革滞后等问题。为切实满足人民群众的健康需求,应在建立所有公民都享受全国平均水平的医疗保障体系,有效的实现社会公平和每个公民的健康保障权;本着"最基本的筹资水平、最基本的医疗服务"的理念,建立符合社会主义初级阶段的医疗保险费用筹措制度;在基本医疗的界定和选择上,采用国际上成本效果的评价方法和思想理念;建立行业管理、统筹规划的医疗保险管理体制,促进现代医疗市场的发育和完善;发挥政府、市场两个主体的作用,把商业保险作为对医疗保险的有效补充等方面扎实推进工作。     

Who is more important,parents or children? Economic and environmental factors and health insurance purchase

The existing research indicates that insurance demand is affected by the policyholder’s occupation, family economy, urbanization level, and insurance coverage. Using micro data of insurance purchase at the individual level, this study investigates the influence of economic and environmental factors on the priorities of health insurance purchase decision. The results reveal that the more developed the economy and the more financial knowledge people possess, the more the latter tend to prioritize health insurance for their children. Furthermore, the study investigates the influence of air pollution on the decision to purchase health insurance. If the air pollution level is high, policyholders prioritize obtaining insurance for their children. Our research on the order of insurance purchase indicates that Chinese families have a lack of support from their children, and the function of family pension is gradually weakening. Our research also reveals that families are willing to spend money on the insurance of their children. Therefore, to solve the problem of health and old-age security for the elderly, it is more effective to promote health insurance by considering families as a unit     

浅论保险与理财

随着财富的增加,人们越来越意识到保险的重要性,但是许多人仍不清楚保险与理财的关系,以及如何使用保险产品。本文从保险与理财的关系出发,阐述了保险规划的流程,并详细分析了保险理财中应注意保险的本质、功能、社会保险的意义、购买保险的目的以及把握购买时机等问题。     

保险资金投资分析

近年来,我国保险业发展迅速,保险公司的保费收入与总资产快速增长。随着我国经济的持续快速发展,我国保险业表现出了非常好的发展前景。但是,作为保险公司“两个轮子”之一的保险投资业务却面临着投资结构不合理、投资渠道狭窄和保险资金管理模式落后等一系列问题。本文在我国当前经济形势与政策条件下就如何提高保险资金的运用效率,降低保险资金的风险,促进保险业的健康、稳定发展,提出一些建议与对策。     

The demand for deductibles in private health insurance: A probit model with sample selection

In this paper we analyse the decision to prefer a health insurance with a deductible to one with complete coverage. We focus on health, medical consumption, and on socio-economic characteristics like age, income, education and family size. The analysis is based on a sample of 8000 privately insured families; about 60 percent of them did not wish to have a health insurance policy with a deductible. A corrective method for sample selectivity, analogous to Heckman's (1979) method, has been applied in probit analysis; the estimation results are compared with the maximum-likelihood estimates. Health, medical consumption and income are found to have a significant influence on the decision with respect to the type of insurance. Our results give an indication of the degree of adverse selection that may take place if health insurance policies are offered with the option to take a deductible in exchange of a premium reduction.     

Health insurance and retirement of married couples

Most health insurance in the USA is provided by employers until eligibility for public health insurance (Medicare) begins at age 65. Retiring before 65 exposes workers who lack retiree health insurance coverage to the risk of catastrophic medical expenditure. We solve and estimate a dynamic model of the employment behavior of older married couples that includes risky medical expenditure and health insurance. Parameter estimates imply that the risk‐reducing feature of health insurance can account for about half of the observed association between retiree health insurance and employment for married men, but can account for only one tenth of the much larger observed association for married women. Policy simulations imply very small effects on employment of changing the age of eligibility for Medicare from 65 to 67. Copyright © 2006 John Wiley & Sons, Ltd.     

消费信贷与社会信用体系建设探讨

对于如何建立社会信用制度体系，加速消费信贷的发展，仁者见仁，智者见智，本文就如何构建我国信用体制，并以次促进消费信贷的发展进行理论性研究和探讨。     

新时期加强社保基金财务管理的对策思考

社会保险基金财务管理水平关系到人民利益、社会稳定与国家发展。在新的发展时期,加强社会保险基金财务管理对人民、社会、国家均有重要意义。论文运用调查法、文献法等对当前影响我国社会保险基金财务管理的不利因素进行分析,并就如何加强社保基金财务管理展开探究论述,希望能为相关工作带来些许帮助。     

保险消费者权益的合同法保护

作为一种商业性金融服务,保险日益具有个人消费特性。保险产品的技术构成条款相当复杂,而保险合同恰恰又是典型的定式合同。是故保险服务中的消费者权益保护问题益愈突出。对此,保险合同法应当在保险人说明义务、投保人告知义务、合同内容控制、合同解释等几方面有所因应。