On Property Liability Insurance Demand of Small and Medium-sized Enterprises- Empirical Evidence Based on Finance and Insurance Theories-

2022 Fiscal Year Final Research Report

• Project/Area Number: 20K01756
• Research Category: Grant-in-Aid for Scientific Research (C)
• Allocation Type: Multi-year Fund
• Section: 一般
• Review Section: Basic Section 07060:Money and finance-related
• Research Institution: Meiji University
• Principal Investigator: Asai Yoshihiro 明治大学, 商学部, 専任教授 (60433645)
• Project Period (FY): 2020-04-01 – 2023-03-31
• Keywords: 中小企業金融 / リレーションシップバンキング / 損害保険 / 生命保険 / 金融教育 / 海外進出 / 役員派遣

Outline of Final Research Achievements

A questionnaire survey (survey on corporate insurance and risk management (during the period of the spread of the new coronavirus) was conducted among SMEs in the manufacturing industry in Japan. The survey not only revealed the percentage of companies purchasing earthquake insurance, product liability insurance (PL insurance), business interruption insurance/profit and expense insurance, cyber insurance, workers' compensation insurance (additional coverage to government workers' compensation insurance, etc.), trade credit insurance, and company management liability insurance (D&O insurance), but also the respective the amount of insurance coverage for each risk was also revealed.

Free Research Field

保険論、金融論

Academic Significance and Societal Importance of the Research Achievements

アンケート調査で、中小企業の保険購入の実態（地震保険、製造物賠償責任保険(PL保険)、事業中断保険／利益・費用保険、サイバー保険、法定外労災保険（政府労災保険等の上乗せ補償）、取引信用保険、会社経営者賠償責任保険(D&O保険)）、特にそれらの保険を購入している企業の割合、保険金額が明らかになったことで、今後、災害などに備えている企業、備えることができていない企業の特徴などを明らかにすることで、中小企業と保険の実態について学術的な貢献ができると同時に、今後、政策的に支援をすべき企業が明らかになるなど、社会的な意義も大きいものと考えられる。