政府基本医保对商业健康保险有“促进效应”吗?

Why Does China's Government Basic Medical Insurance System Enhance the Development of Commercial Health Insurance?

现有文献发现政府基本医保对中国商业健康保险有"促进效应",但是理论解释模糊不清,可以称之为"中国商业健康保险发展之谜"。本文推导出商业健康保险在医疗服务体系中发挥精细化管理功能需要的条件,基于此,从供给端揭示了政府基本医保对商业健康保险的结构性影响,进而对"中国商业健康保险发展之谜"提出以下解释——政府基本医保对商业健康保险"促进效应"仅体现在储蓄型险种上。而我国财产保险公司健康保险业务仅经营保障型险种,人身险公司健康保险业务则以储蓄型险种为主,使用省级动态面板模型进行实证检验,结果显示:政府基本医保对财产保险公司健康保险业务没有促进效应,对人身险公司的健康保险业务则有显著的正向影响。

Some studies finds that China s government basic medical insurance system has positive effects on the development of commercial health insurance,but the reason has remained a puzzle.This article explores the relationship between government basic medical insurance and commercial health insurance and proposes a hypothesis that the positive effect of government basic medical insurance on the development of commercial health insurance is only significant for life insurance.We also test the hypothesis with panel data of Chinese province.