Study of Factors Mortgage Life Insurance Needs
| Autor: | Hung-hsu Chen, 陳虹旭 |
|---|---|
| Rok vydání: | 2012 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 100 The samples in the article are from the real buying Mortgage Life Insurance consumers of a domestic commercial bank. Analyze the determinants of the effect that Loan customers who buying Mortgage Life Insurance through the real data collected in the bank? Construct the regression model by SAS, the result shows that：Depends on the differences of the amount of the consumer Loan amount,age, job occupation, and the level of education are the factors affect the consumers to buying Mortgage Life Insurance. Further analysis, In addition to Loan amount is significant positive correlations to Mortgage life insurance rates, and years of Loan is negative correlations to Mortgage life insurance rates, Job occupation and education level are related to Mortgage life insurance rates separately by different population. When the education level of the consumers are under junior high, it has the lowest rate to buying Mortgage Life Insurance, and shows the negative correlation in Mortgage life insurance rates. Associate degree of the education level and Mortgage life insurance rates shows negative correlation. As for the consumers graduating from college and Mortgage life insurance rates shows positive correlation, results of the other levels are insignificant. At last but not the least, in addition to the consumers whose job occupation is services sector shows positive correlation to Mortgage life insurance rates, others who are business, civil and teaching staff, or something else, are all show negative correlation to Mortgage life insurance rates. The result of the study can help the financial institutes and life insurance companies realize the features of potential consumers. It can used in developing the strategy to design and promote insurant products in the future. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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