| 摘要: | 本研究旨在探討家庭組成對保險需求的影響。隨著經濟和社會的快速發展，家庭結構日益多樣化，這些變化對家庭內部的資源分配和決策過程產生了深遠的影響。此外，全球化和市場的國際連接性也為家庭保險帶來了更廣泛的選擇和更大的風險。這要求家庭在做出保險決策時，不僅要考慮本國的經濟情況，還要考慮全球經濟動態。在這種情況下，跨境保險選擇、外匯風險管理以及國際市場的理解變得至關重要。鑑於這些挑戰和機遇，本研究將深入分析不同家庭結構和財務狀況對保險需求的影響，並探討如何在這個多變的經濟環境中做出最佳的財務規劃。研究的目標是為家庭提供實用的指南，幫助其在面臨複雜的經濟和社會變化時做出明智的保險選擇。本研究探討了家庭組成對投資型和儲蓄型保險需求的影響，並進一步分析了性別、年齡、子女數量、股票投資現值、負債、薪資收入、非薪資收入及每年一般生活支出等變數的作用。研究採用了67 個樣本數據，通過統計分析方法，包括描述性統計、相關分析和迴歸分析等，深入探討各影響因素與保險需求之間的關係。結果顯示，不同的家庭組成和財務狀況對保險需求有顯著影響。高薪資收入家庭更傾向於購買儲蓄型保險，而高非薪資收入家庭則偏好投資型保險。性別、薪資收入和股票投資現值顯著影響儲蓄型保險的購買決策。本研究提供了保險需求模式的深入見解，為家庭財務規劃和保險公司策略制定提供了實證依據，並為政策制定者提供了關於如何支持不同家庭結構的洞見，以促進整體社會經濟的健康和穩定發展。;The purpose of this study is to investigate the impact of family composition on the demand for insurance. With rapid economic and social development, family structures have become increasingly diverse, and these changes have had far-reaching impacts on the allocation of resources and decision-making processes within families. In addition, globalization and international connectivity of markets have brought about a wider range of choices and greater risks in family insurance. This requires households to consider not only their home country′s economic situation but also global economic dynamics when making insurance decisions. In this context, cross-border insurance options, foreign exchange risk management and understanding of international markets become critical. In light of these challenges and opportunities, this study will analyze in-depth the impact of different family structures and financial situations on insurance needs and explore how best to plan financially in this changing economic environment. The objective of the study is to provide a practical guide for families to make informed insurance choices in the face of complex economic and social changes. The study examines the impact of household composition on the demand for investment and savings insurance, and further analyzes the role of variables such as gender, age, number of children,present value of stock investments, liabilities, wage income, non-wage income, and general annual living expenses. The study used 67 sample data and explored in-depth the relationship
between the influencing factors and the demand for insurance through statistical analysis methods, including descriptive statistics, correlation analysis and regression analysis, etc. The results showed that the relationship between the influencing factors and the demand for insurance varied across different household composition and age groups, as well as the number of children. The results show that different household compositions and financial statuses have
significant impacts on the demand for insurance. Households with high salary income are more likely to purchase savings type insurance, while those with high non-salary income prefer investment type insurance. Gender, salary income and present value of stock investment significantly affect the purchase decision of savings insurance. This study provides insights into the pattern of insurance demand, provides empirical evidence for household financial planning and strategy development of insurance companies, and provides policy makers with insights on how to support different household structures for the healthy and stable development of the overall socio-economic society. |
