A Study of Relationship Between Risk Perception of Insurance Product, Personality Trait and Insuring Intensity----A Case of Kidnap-Ranson Insurance----

• Main Authors: Jong-Hamm Jou, 周忠翰
• Other Authors: none
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/79547713864291445359

碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 90 === The main idea of this article is to evaluate the influence of different type of consumers and their personalities trait. Investigating the consumers’ risk perception for insuring kidnap-ranson insurance and how it affects the intensity of consumers upon the kidnap-ranson insurance. Relying on the questionnaire data collected from Taiwanese industrial groups, the factor analysis, regression analysis, and one-way ANOVA analysis results of the study found that: 1. As mention in last paragraph, there will be a great influence for the kidnap-ranson insurance due to different consumer’s attribute and personality but there will be barely any effect for risk perception upon insuring intensity. The more consumers’ personality trait lends to external control, the more they want to have insurance. 2. Different consumer’s attribute will have different affect on insure intensity of insuring kidnap-ranson insurance where thus different consumer’s personality trait will have no affect on insure intensity of insuring kidnap-ranson insurance. The results, to certain extent, support our hypotheses and practicability in the study. To further study, we may safely arrive at the conclusion that More Consumers’ personality trait tends to lend on external control, more the sense for Psychological risk、Time risk and Financial risk of insuring staking blackmail property insurance .