A Comparison Analysis of Online Shopping Insurance between Taiwan and China

• Main Authors: Chia-Chen Tsai, 蔡佳臻
• Other Authors: 田峻吉
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/2993bn

碩士 === 淡江大學 === 保險學系保險經營碩士班 === 106 === With the rapid development of internet technology, the shopping habits of electronic commerce consumers have changed. As the frequency of online shopping has increased recently, the online shopping disputes between buyers and sellers also increased. Thus, the insurance companies developed related online shopping insurance products. The development of online shopping insurance in mainland China is faster than in Taiwan. The purpose of this study is to investigate the difference of online shopping insurance between Taiwan and China. This study compares the online shopping insurance types of the China and Taiwan, and analyze the differences between the cross-strait shopping insurance types and the problems they face. We also use ANOVA and logistic regression to analyze the data which is collected by the questionnaire. The empirical results are shown as the following. 1.The gender plays an important role on the frequency of online shopping in Taiwan and China. The variables including the age, marital status, education, and residential area have a significant on frequency of online shopping in Taiwan, but not in China. 2.Acceptance of insurance of return freight The gender plays an important role on the acceptance of return freight insurance on the cross-strait. If the sellers provide return freight insurance, the consumer in China will increase their the willingness to online shopping. 3.Acceptance of insurance of online shopping parcel The gender and average monthly income have the significant impact on the frequency of damage in Taiwan. Furthermore, the variables including the age, marital status, education, and residential area have the significant impact if the companies purchase insurance of online shopping parcel. But there is no significant factor in China. 4.Acceptance of insurance of genuine The gender variable in China and the average monthly income variable in Taiwan are significant for the receipt of fakes in online shopping. The variable marital status in Taiwan is significant for the seller’s willingness to purchase insurance of genuine. Based on the logistic regression, the empirical results showed that the Taiwan’s consumers with the age between 31-40 years old are less frequently having the online shopping. However, when the seller provides insurance of return freight, they will increase the willingness to purchase online. Taiwan’s consumers with their income more than 70001 NT reduce the willingness to purchase if the courier company has purchased online shopping insurance. But if the seller has purchased insurance of genuine, they will increase the willingness to purchase the luxury online. There is no significant factors in China sample because of the limited sample size. Based on our empirical results we recommended no-life insurance companies can launch more online shopping-related insurance. Furthermore, it should be developed by third-party identification companies for the insurance of genuine.