居民汽车保险意识发展水平与车险规模适配性调查研究

王召强，赵长利^*，李方媛，吕鹏伟，王闯，侯凯

山东交通学院 汽车工程学院，山东 济南  250357

摘要：为分析居民汽车保险意识的发展水平和地区发展差异，对山东省16市的2110位汽车保险投保人进行问卷调查，量化得分后进行样本特征和信度分析，采用系统聚类分析法分析居民汽车保险意识发展水平的地区差异，根据分析结果将山东省16市分为居民汽车保险意识发展水平发达地区、较发达地区、一般地区和欠发达地区等4类地区，将聚类结果与车险规模进行对比。研究结果表明：山东省居民汽车保险意识发展水平整体较高，16市中居民汽车保险意识发展发达地区有5个，较发达地区有9个，一般地区和欠发达地区各1个；车险保费规模与居民汽车保险意识发展水平正相关。

关键词：汽车保险意识；调查问卷；聚类分析；回归分析；地区差异；车险规模

Investigation on the suitability between the development level ofresidents′ insurance consciousness and the scale of automobile insurance

WANG Zhaoqiang, ZHAO Changli^*, LI Fangyuan,LÜ Pengwei, WANG Chuang, HOU Kai

School of Automotive Engineering, Shandong Jiaotong University, Jinan 250357, China

Abstract:To investigate the development level and regional difference of residents′ automobile insurance awareness, the questionnaire survey is conducted by automobile insurance policyholders at the number of 2110 from 16 cities in Shandong Province. After quantifying the scores, sample characteristics and reliability analysis are carried out, and the regional difference of residents′ automobile insurance awareness is analyzed by systematic clustering analysis. The 16 cities in Shandong Province are divided into four types: developed area, more developed area, general area and less developed area, and the clustering results are compared with the scale of auto insurance. The results show that the development level of residents′ automobile insurance awareness in Shandong province is high overall. The number of four types of city in sequence is 5, 9, 1 and 1 respectively. The scale of automobile insurance premium is positively correlated with the development level of residents′ automobile insurance awareness.

Keywords:automobile insurance awareness; questionnaire; cluster analysis; regression analysis; regional differences; scale of auto insurance