香港保险业监管局：2021年香港保险知识跟踪调查报告（英文版）（57页）.pdf

1、Report onInsurance Literacy Tracking Survey in Hong Kong 2021AUGUST 2022ContentsExecutive summary21.Introduction32.Literature review72.1 Concepts of financial and insurance literacy72.2 Survey and scoring mechanisms for 13assessing financial and insurance literacy2.3 Hong Kong insurance sector153.Me

2、thodological framework of the ILTS173.1 Design of the questionnaire173.2 Scoring mechanism183.3 Survey fieldwork204.Key survey findings214.1 Insurance literacy in Hong Kong214.2 Insurance literacy of policyholders 28versus non-policyholders4.3 Product-specific findings325.Conclusion37Annex 1:Core qu

3、estions of the OECD/INFE survey 38Annex 2:Scoring questions of the ILTS40Annex 3:Scoring method for the question on 44confidence in insurance decision makingAnnex 4:Key demographic profile of the sample45Annex 5:The RSP mechanism46Annex 6:Estimation of perception gap49Annex 7:Recent actions of the I

4、A in upholding 50good market conduct and ethical practicesReferences53Executive summaryInsurance literacy is a combination of knowledge and skills,attitude and behaviours necessary to make sound decisions,thus contributing to better insurance inclusion.In an inclusive market,all citizens including t

5、he unserved and underserved should have access to and use of appropriate and affordable insurance products.The more inclusive the insurance market is,the higher the social value it can create.In order to assess and track trends in insurance literacy in Hong Kong,and to identify gaps that can shape t

6、he Insurance Authoritys(“IA”)policy development and public education,the IA has conducted an Insurance Literacy Tracking Survey(“ILTS”)with a focus on personal insurance products.The design of both the survey questionnaire and the scoring mechanism for the ILTS was based mainly on the Organisation f