| 保险意识之谜及其破解 |
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| 引用本文： | 朱劲松. 保险意识之谜及其破解[J]. 保险职业学院学报, 2008, 0(1) |
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| 作者姓名： | 朱劲松 |
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| 作者单位： | 东北财经大学 辽宁大连116025 |
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| 摘 要： | 中国民众保险意识低是保险发展的一个相当突出的阻碍因素。本文从效用的角度研究了民众保险意识低的原因。集中分析了保险的自身效用与比较效用,在分析中本文提出了理论界很少有人探讨的保险非替代产品效用的观点,研究了影响保险购买的民众主动型消费偏好于被动型消费偏好的问题,从一个新的视角解释了中国民众保险意识不高的原因。
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| 关 键 词： | 保险效用 保险成本 消费偏好 非替代产品效用 |
A New Explanation for Insurance Consciousness |
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| Zhu Jinsong. A New Explanation for Insurance Consciousness[J]. JOURNAL OF INSURANCE PROFESSIONAL COLLEGE, 2008, 0(1) |
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| Authors: | Zhu Jinsong |
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| Affiliation: | Zhu Jinsong |
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| Abstract: | Inadequate insurance consciousness of Chinese people is an obstacle of insurance development.This paper studies the reason from the utility angle,and pays special attention to analysing the utility of insurance,comparative utility,non-insurance substitute products utility which few people have studied,people's active and passive consumer preferences when they buy insurance,and has made an explanation from a new visual angle for the inadequate insurance consciousness of Chinese people. |
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| Keywords: | insurance utility insurance cost consumer preferences non-insurance substitute products utility |
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