人格特征和保险需求
Thomas Schilling1, Wiebke Bleidorn2
1University of Trier, Germany.
Personality & social psychology bulletin
|June 24, 2024
概括
风险承担等人格特质会影响保险决策. 这项研究揭示了个性,包括五大和控制点,以及对各种个人保险类型的需求之间的重要联系.
科学领域:
- 行为经济学是一种行为经济学.
- 心理学 心理学 心理学
- 保险研究 保险研究
背景情况:
- 人格特质显著影响财务行为.
- 特定的人格特质与保险需求之间的关系仍然未被充分探索.
研究的目的:
- 研究个性特征对个人保险决策的预测能力.
- 确定风险承担,五大风险,控制地点和保险需求之间的关联.
主要方法:
- 对一大批 (14,624) 德国成年人的样本进行分析.
- 统计建模以检查人格保险需求协会.
- 考虑人口调解和不同的统计方法 (例如,非线性效应,人间/人内效应).
主要成果:
- 发现人格特征可以预测对各种保险类型的需求.
- 人口变量可能会调解这些人格保险协会.
- 协会的实力和性质取决于特定的保险类型和统计建模.
结论:
- 人格特征在个人保险需求中起着显著的作用.
- 需要进一步的研究才能充分理解这些关联的细微差别.
- 调查结果突出了不同保险产品中人格-保险-需求关系的异质性.
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