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An Integrated Study on Consumers Perceived Risks in Purchasing Insurance from the Viewpoints of Risk Management and Psychology

Research Project

Project/Area Number 15K03740
Research Category

Grant-in-Aid for Scientific Research (C)

Allocation TypeMulti-year Fund
Section一般
Research Field Commerce
Research InstitutionMeiji University

Principal Investigator

NAKABAYASHI MARIKO  明治大学, 商学部, 専任教授 (80308056)

Co-Investigator(Kenkyū-buntansha) 佐々木 美加  明治大学, 商学部, 専任教授 (90337204)
Project Period (FY) 2015-04-01 – 2018-03-31
Project Status Completed (Fiscal Year 2017)
Budget Amount *help
¥4,550,000 (Direct Cost: ¥3,500,000、Indirect Cost: ¥1,050,000)
Fiscal Year 2017: ¥1,560,000 (Direct Cost: ¥1,200,000、Indirect Cost: ¥360,000)
Fiscal Year 2016: ¥1,820,000 (Direct Cost: ¥1,400,000、Indirect Cost: ¥420,000)
Fiscal Year 2015: ¥1,170,000 (Direct Cost: ¥900,000、Indirect Cost: ¥270,000)
Keywords保険 / リスク認知
Outline of Final Research Achievements

These studies aimed to clarify the relationship between risk information which consumers are given and risk perception process in purchasing insurance products. We conducted surveys of low risk (automobile, medical) and high risk (life insurance in foreign currency) insurance products. Using a factor analysis, we quantitatively investigated consumer’s perceived risks in purchasing insurance from a psychological perspective. Although their validity of these factors was not confirmed, we found common factors which are valid in both high and low typed insurance.
On the other hand, we developed the investment decision-making process scales regarding the purchase of financial products.

Report

(4 results)
  • 2017 Annual Research Report   Final Research Report ( PDF )
  • 2016 Research-status Report
  • 2015 Research-status Report
  • Research Products

    (8 results)

All 2018 2017 2016 2015

All Journal Article (4 results) (of which Acknowledgement Compliant: 2 results,  Peer Reviewed: 1 results) Presentation (4 results) (of which Int'l Joint Research: 1 results)

  • [Journal Article] 金融行動に関する心理学的研究についての考察2017

    • Author(s)
      佐々木美加
    • Journal Title

      明治大学教養論集

      Volume: 523号 Pages: 11-27

    • NAID

      120006228086

    • Related Report
      2017 Annual Research Report 2016 Research-status Report
  • [Journal Article] 金融行動に関する諸尺度による投資の予測2017

    • Author(s)
      佐々木美加
    • Journal Title

      明治大学教養論集

      Volume: 527号 Pages: 55-65

    • NAID

      120006416837

    • Related Report
      2017 Annual Research Report
  • [Journal Article] 医療保険購買時のリスクの捉え方に関する一考察2016

    • Author(s)
      中林真理子
    • Journal Title

      生命保険論集

      Volume: 創立40周年記念号(Ⅱ) Pages: 177-199

    • Related Report
      2016 Research-status Report
    • Acknowledgement Compliant
  • [Journal Article] 自動車保険加入時のリスク認知に関する調査~再考~2015

    • Author(s)
      中林真理子、井出野尚、佐々木美加
    • Journal Title

      損害保険研究

      Volume: 77(3) Pages: 1-17

    • Related Report
      2015 Research-status Report
    • Peer Reviewed / Acknowledgement Compliant
  • [Presentation] 生命保険販売従事者の倫理的課題2018

    • Author(s)
      中林真理子
    • Organizer
      明治大学先端数理科学インスティチュート(MIMS) 共同研究集会「保険やリスク管理についての共同研究集会」
    • Related Report
      2017 Annual Research Report
  • [Presentation] 投資態度とリスク下意思決定のフレーミング効果2018

    • Author(s)
      佐々木美加
    • Organizer
      日本心理学会
    • Related Report
      2017 Annual Research Report
  • [Presentation] 個人の金融行動に関する心理学的モデルの検討:金融行動尺度の多母集団分析2015

    • Author(s)
      佐々木美加、中林真理子、瀧川裕貴
    • Organizer
      行動経済学会第9回大会
    • Place of Presentation
      近畿大学 東大阪キャンパス
    • Year and Date
      2015-11-28
    • Related Report
      2015 Research-status Report
  • [Presentation] Education for the Life Insurance Sales Professionals in the Super-Aged Japanese Society2015

    • Author(s)
      中林真理子
    • Organizer
      2015 Global Forum for Financial Consumers
    • Place of Presentation
      Jeju National University
    • Year and Date
      2015-10-31
    • Related Report
      2015 Research-status Report
    • Int'l Joint Research

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Published: 2015-04-16   Modified: 2019-03-29  

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