制造业企业选择保险公司的标准(以伯利恒省工业企业为例)

Lina Ibrahim Sajdieh, Nidal A. Darwish
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引用次数: 0

摘要

本研究旨在找出工业企业在选择保险公司购买保险服务时所遵循的准则。该研究采用描述性的方法来实现研究的目标,并回答其问题。采用SPSS (Statistical Package for Social Sciences)软件对数据进行统计分析。研究人群由伯利恒省的(150)家工厂组成,使用了可能的样本(适合研究),它由(102)家工厂组成。研究还采用了访谈法,以确保问卷中对公司的选择标准符合实际情况。对工业企业中影响购买决策的管理者和保险公司的管理者进行了四次访谈。这项研究得出了几个结论。第一。影响保险公司在购买保险服务时选择工业公司的最重要的标准是保险服务质量的标准,即保险公司在事故发生后的赔偿信誉。第二,价格标准遵循关键的质量标准,特别是支付设施标准。第三,研究表明工业企业最重要的环境因素是逃避法律责任的标准,其算术平均值为4.12,表明工业企业遵守法律。最后,宗教因素的算术平均值为(3.27),政治条件的算术平均值为(3.14),这表明这些因素对工业公司的重要性较低。研究建议,保险公司应不断提高其为工业企业提供的保险服务质量,特别是服务绩效的可信度。此外,保险公司应该有兴趣向工业公司提供支付设施,以鼓励他们购买他们的服务。最后,本研究建议工业企业在选择保险公司时,应用本研究推荐的选择标准,以便能够选择合适的保险公司。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Criteria Followed by Manufacturing Companies in Selecting Insurance Companies (An Applied Case on Industrial Companies in the Bethlehem Governorate)
The current study aimed to identify the criteria industrial companies follow when selecting insurance companies to purchase insurance services. The study employed the descriptive approach to achieve the study's objectives and answer its questions. Statistical analyses were used to analyze the data through the Statistical Package for Social Sciences (SPSS) program. The study population consisted of (150) factories in the Bethlehem Governorate, the possible sample (appropriate for the study) was used, and it consisted of (102) factories. The study also used the interview method to ensure that the selection criteria for companies in the questionnaire were in line with the practical reality. Four interviews were conducted with some managers who influence the purchase decision in industrial companies and managers from insurance companies. The study was concluded with several results. First. the most important criteria that affect the decision to choose the industrial companies for the insurance company when purchasing insurance services are the standards of the quality of insurance services, precisely the insurance company's credibility with compensation after the accident. Second, the price standards follow the critical quality standards, specifically the payment facilities standard. Third, the study indicates that the most important environmental factor for industrial companies is the standard of avoiding legal accountability with an arithmetic average (4.12), which suggests that industrial companies follow the laws. Finally, the religious factor has an arithmetic average of (3.27) and political conditions with an arithmetic average of (3.14) suggesting that these factors are less critical for industrial companies. The study recommends that insurance companies should keep improving the quality of insurance services they provide to industrial companies, especially the credibility of service performance. Also, insurance companies should be interested in offering payment facilities to industrial companies to encourage them to buy their services. Finally, the study recommends that industrial companies apply the selection criteria recommended by the study when choosing insurance companies to be able to select the appropriate insurance company.
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