단기 금융상품 이용과 보험 해지 위험 간의 관계에 대한 실증적 연구

• 영문명: Exploring the Connection Between Short-Term Financial Consumption Behavior and Insurance Policy Cancellation
• 발행기관: 강원대학교 경영경제연구소
• 저자명: 오윤석(Youn Seok Oh) 방영석(Youngsok Bang)
• 간행물 정보: 『아태비즈니스연구』제15권 제4호, 219~234쪽, 전체 16쪽
• 주제분류: 인문학 > 문학
• 파일형태: PDF
• 발행일자: 2024.12.31

국문 초록

Purpose - This study empirically examines how consumers’ use of short-term financial products credit cards, cash advances, and utilization ratios relative to credit limits affects the likelihood of insurance policy cancellations through large-scale data analysis. Design/methodology/approach - Using the Cox Proportional Hazards Model, we analyze key variables such as credit card and cash advance usage, utilization ratios, and insurance premiums relative to credit usage. The dependent variable is time until insurance cancellation, with independent variables capturing short-term financial behaviors. Age-based segmentation (under 20s, 30s, 40s, 50s, and over 60s) explores demographic impacts. Findings - Higher credit card and cash advance utilization ratios, larger cash advance amounts, and higher premiums relative to credit usage increase cancellation risk, reflecting short-term financial strain. Higher loan repayments also raise risk, indicating long-term commitments. Conversely, higher premiums and credit card usage reduce cancellation risk. Age slightly amplifies risk, with credit and cash advance impacts varying by group. Research implications or Originality - This study highlights the influence of short-term financial behaviors on insurance cancellations, offering insights for policies targeting low-income groups and strategies to segment customers and mitigate insurer liquidity risks.

목차

Ⅰ. 서론

Ⅱ. 문헌 연구

Ⅲ. 연구 방법

Ⅳ. 연구 결과

Ⅴ. 결론

References

키워드

Insurance Policy Cancellation Cash Advance Credit Card Balance Credit Limit loan repayment Premium Income