湖南省商业健康保险需求影响因素的实证研究

2016年湖南省商业健康险保费收入占总保费收入的比例不到11%,而发达国家成熟市场上的统计比例通常为30%。为找到影响湖南省商业健康险有效需求的因素及影响程度,本文运用灰色关联分析法,采取湖南省2001-2016年的相关数据,从湖南省经济发展水平、人们对保险的认知程度等角度量化研究了其影响湖南省商业健康险需求的程度。结果显示:居民消费水平的影响力最大,其余依次为人们对保险的认知程度、湖南省经济发展水平、人口老龄化程度、医疗卫生财政支出,并由此得出结论,提高湖南省商业健康险有效需求水平关键在于提高居民消费水平。

In 2016,commercial health insurance premium income accounts for less than 11% of the total premium income in Hunan province. However in western countries , the proportion is usually about 30%. To find the sectors affecting demand of commercial health insurance in Hunan, we base our analysis on the grey correlation theory and use relevant data of Hunan province from 2001 to 2016, se- lecting the level of economic development of Hunan province, people＇s cognition to the insurance and other representative variables to analyze their influence on demand of the commercial health insurance in Hunan province, the result shows that residents＂ consumption level has greatest effects on people＇s de- mand of commercial health insurance, and the rest are successively people＇s cognition to the insurance, the level of economic development in Hunan province, the aging rate and fiscal spending on health . At last the paper puts forward some ideas for the commercial health insurance＇s development in Hunan province and the key is to raise residents＇ consumption level.