保險風險認知與幸福感相關性之研究

本研究在探討保險風險認知與幸福感相關性之研究，將根據問卷調查所得之有效的資料進行統計分析，以作為之參考依據。本研究以年齡二十到五十歲歲以上的中部地區之民眾為研究對象，並且使用抽樣方法抽取其中326位來進行研究，以網路問卷調查的方式進行發放，最終發放問卷數為326份，實際回收326份，回收率為100%；有效問卷數為326份，有效問卷率為100%。調查二十歲以上具行為能力之民眾的有效問卷為326份，本研究採用SPSS統計軟體進行資料分析，使用的分析方法包含描述性統計分析、信度分析、迴歸分析，本研究利用敘述性統計分析，以瞭解樣本資料在個人背景變項上的分佈情形;利用信度分析，以瞭解保險風險認知與幸福感相關性程度，以差異性分析、相關分析及迴歸分析等方法進行分析。本研究根據資料分析結果，提出以下結論: 一、保險風險認知與幸福感皆有顯著的正向影響。二、教育程度越高在風險認知與幸福感有顯著的正向影響。

關鍵字

風險認知；幸福感；保險

並列摘要

This study will explore the correlation between insurance risk perception and well-being.The effective data obtained shall be analyzed statistically as a reference basis. In this study, the people in the central region aged 20 to 50 years old were selected as the research object, and 326 of them were sampled for research, and distributed by online questionnaires. The final number of questionnaires issued was 326. The actual recovery rate is 326, with a recovery rate of 100%; the number of valid questionnaires is 326, and the effective questionnaire rate is 100%. A total of 326 valid questionnaires were surveyed for people over the age of 20 SPSS statistical software for data analysis, using analytical methods including descriptive statistical analysis, reliability analysis, regression analysis, this study uses descriptive statistical analysis to understand the distribution of sample data on personal background variables; use reliability analysis , In order to understand the degree of correlation between insurance risk perception and well-being, analyze by difference analysis, correlation analysis and regression analysis. Based on the results of data analysis, this study proposes the following conclusions: 1.Both insurance risk perception and well-being have a significant positive impact. 2.The higher education level has a significant positive effect on risk perception and well-being .