我国商业健康险需求影响因素实证研究

Empirical Study on the Factors Affecting the Demand of Commercial Health Insurance in China

文章通过利用2007-2016年全国30个省市自治区的面板数据,构建固定效应模型,对我国商业健康险需求影响因素进行实证分析。研究结果表明,尽管我国商业健康险需求与日俱增,但显著的地区差异仍不可避免。其中,城镇居民人均可支配收入、居民消费价格指数、医疗机构床位数、保险深度对商业健康险需求影响最为显著。文章认为可以通过大力发展经济、不断完善医疗保障体系、开展保险教育等来有效地促进商业健康险的潜在需求向有效需求转化。

This paper constructs a fixed-effects model by using the panel data of 30 provinces and cities nationwide from 2007 to 2016,and empirically analyzes the influencing factors of China＇s commercial health insurance demand.The results of the study show that although the demand for commercial health insurance in China is increasing day by day,significant regional differences are still inevitable.Among them,the per capita disposable income of urban residents,the consumer price index,the number of beds in medical institutions,and the depth of insurance have the most significant impact on the demand for commercial health insurance.The article believes that through the vigorous development of the economy,continuous improvement of the medical security system,insurance education and other measures to effectively promote the potential demand for commercial health insurance to effective demand transformation.