社会医疗保险、市场结构与我国商业健康保险发展

Social medical insurance,market structure and the development of China′s commercial health insurance

本文关注我国社会医疗保险和市场结构对商业健康保险发展的影响，前者的作用尚存在较大争议，后者的作用目前在实证研究中普遍被忽视。本文利用2002年～2009年我国的省际数据，结合保费缴纳特色，使用动态面板模型进行实证研究，主要发现：我国社会医疗保险并未挤出，反而显著促进了商业健康保险发展；市场竞争对商业健康保险发展的影响显著为正，但外资保险公司和专业健康险公司的作用还不显著。本文结合经济理论和实践状况解释了研究结论，并提出了相应的政策建议。

This study analyzed the impacts of social medical insurance and market structure on the development of commercial health insurance in China. Currently, there are disputes over the effect of the former, and a vacancy of exponential researches on the latter. Based on provincial data from 2002 to 2009, and with consideration of premium payment features, the authors used the dynamic panel-data model to conduct the empirical research. Main findings were as follows： instead of crowding out commercial health insurance, social medical insurance had significantly driven the development of commercial health insurance ; market competition greatly contributed to the development of commercial health insurance;however,neither of the influence of foreign insurance companies＇ participation nor professional health insurance companies was significant. The paper explained the empirical results with economic theories and proposed corresponding policy recommendations.