【摘 要】
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This cross-disciplinary study examines the way culture affects consumption patterns of life insurance across Chinese provinces.Because of the uncertainty and ambiguity inherent in the life insurance p
【机 构】
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School of insurance Southwestern University of Finance and Economics Chengdu Sichuan 611130
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This cross-disciplinary study examines the way culture affects consumption patterns of life insurance across Chinese provinces.Because of the uncertainty and ambiguity inherent in the life insurance product,consumers are more likely to respond according to their cultural practice.Our research hypotheses are tested empirically using Hofstedes cultural dimensions,and data from 1999-2010 across 31 provinces from mainland China.The findings show that after controlling for economic and demographic determinants,power distance and uncertainty avoidance indeed have significant,negative effects whereas masculinity/femininity has a significant,positive effect on life insurance consumption.And the effect of individualism in life insurance is not significant.
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