文化因素影响寿险消费吗?——来自中国大陆地区的证据
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上海财经大学学报 2013 年 第 15 卷第 04 期, 页码：59 - 66
摘要
参考文献
摘要
由于寿险产品具有复杂性和关注未来的不确定性利益,消费者在购买寿险产品时不仅考虑自身的经济状况,还可能依据其信仰和偏好来决策,即在研究寿险消费时需要放松消费者是经济人这一假定。文章首先从文化的定义和内涵证明了文化对寿险消费的影响,随后以Hofstede的文化维度并结合民族和宗教因素作为文化变量,采用1999-2010年的相关调查数据进行了实证研究。结果发现,当把经济变量和人口统计变量作为控制变量来分析文化对寿险消费的影响时,民族和宗教因素、权力距离和不确定性规避对寿险消费存在显著的负影响,男性/女性主义对寿险需求有显著的正影响,而现阶段个体主义这一变量对寿险需求的影响并不显著。
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[3]霍夫斯泰德.文化与组织——心理软件的力量(第二版)[M].北京:中国人民大学出版社,2010.
[4]Beck,T.,and I.Webb.Economic Demographic,and Institutional Determinants of Life Insurance Consump-tion Across Countries[J].World Bank Economic Review,2003,17(1):51-88.
[5]Chui A.C.W.,Kwok C.C.Y.National Culture and Life Insurance Consumption Around the World[J].Journal of International Business Studies,2008,39:88-101.
[6]Crosb L.A.,Stephens.Effects of Relationship Marketing on Satisfaction,Retention,and Prices in the LifeInsurance Industry[J].Journal of Marketing Research,1987,24(4):404-411.
[7]Henrich,Joseph.Does Culture Matter in Economic Behavior?Ultimatum Game Bargaining Among theMachiguenga of the Peruvian Amazon[J].American Economic Review,2000,90:973-979.
[8]Hofstede.The Relativity of Organization Practices and Theories[J].Journal of International Business Stud-ies,1983,14(fall):75-89.
[9]Javidan M.and House,R.Culture Acumen for GLOBE Manager Lessons from Project GLOBE[J].Organi-zational Dynamics,2001,(29):289-305.
[10]Lau L.Y.,Raynard R.Chinese and English Probabilistic Thinking and Risk Taking in Gambling[J].Journal of Cross-Cultural Psychology,2005,36:621-627.
[11]Outrevill J.F.Reinsurance in Developing Countries[J].Journal of Reinsurance,1995,2(3):42-51.
[12]Park S.,Lemaire.Culture Matters:Long-term Orientation and the Demand for Life Insurance[R].Uni-versity of Pennsylvania Wharton School,Working Paper,2011.
[13]Wharton J.D.,Harmatz H.R.An Explanatory Investigation of How Cultural Attitudes Relate to LifeInsurance Holdings:A Cross-cultural Comparison[J].Journal of Economic Psychology,1989,10:217-227.
[14]Zhu.An Analysis of Demand for Individual Life Insurance in China[J].Journal of Risk Management andInsurance,2002,7(4):28-43.
引用本文
完颜瑞云, 陈滔. 文化因素影响寿险消费吗?——来自中国大陆地区的证据[J]. 上海财经大学学报, 2013, 15(4): 59–66.
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