| 摘要(英) |
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. |
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