심리변수가 손해보험 소비자의 의사결정에 미치는 영향: 위험회피수준 및 댓글감성을 중심으로
The Effect of Psychology Factors on Property Insurance Buyers’ Decision: New Evidence from Risk-aversion and Online Comments Sentiment
- 주제(키워드) Risk-aversion , Comments sentiment , Property insurance , Granger causality , Impulse response , 위험회피수준 , 댓글감성 , 손해보험 , 그랜저인과 , 충격반응
- 주제(기타) 증권/주식/채권
- 설명문(URI) https://www.kci.go.kr/kciportal/ci/sereArticleSearch/ciSereArtiView.kci?sereArticleSearchBean.artiId=ART002752814
- 등재 KCI등재
- 발행기관 보험연구원
- 발행년도 2021
- URI http://www.dcollection.net/handler/ewha/000000183202
- 본문언어 한국어
- Published As http://dx.doi.org/10.23842/jif.2021.32.3.003
초록/요약
This study investigates the effect of psychology factors on property insurance buyers’ decision. The level of risk aversion derived from the VKOSPI index and the attitude toward insurance derived from online comments sentiment are employed as the psychology factors. Main findings are as follows: first of all, both of risk-aversion and comments sentiment granger cause total and long-term property insurance while risk-aversion granger causes pension insurance and comments sentiment granger causes accident insurance. In particular, long-term insurance is largely granger caused by psychology factors since it has saving attribute. Secondly, we analyze impulse response with respect to risk-aversion and comments sentiment to total and each property insurance and find that the impulse response of risk-aversion is larger and longer than that of comments sentiment. It implies that insurance is also a financial product related with stock market. This study contributes to improve the understanding about insurance consumers and it is useful for insurance companies in terms of marketing strategy.
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