人口老龄化背景下我国商业健康保险需求的地区差异研究

Studying onThe Regional Differences of Demand of Commercial Health Insurance in China under The Background of Population Aging

目的:探讨我国人口老龄化与商业健康保险需求的关系以及区域差异。方法:运用2006-2017年我国30个省、市、自治区的面板数据进行计量回归分析。结果:不同地区人口老龄化对商业健康保险需求呈现不同的滞后效应;中部地区和其他地区滞后效应的方向存在差异;人口老龄化对西部地区的商业健康保险需求影响最为明显;国内生产总值、保险深度对商业健康保险需求存在正向作用;保险密度对商业健康保险需求影响不显著。结论:建议高度重视各个地区的人口老龄化对商业健康保险需求的影响及其滞后效应;更多开发有利于老年人口的商业健康保险品种;对老年人的商业健康保险提供财政补贴;促进社会医疗保险与商业健康保险的融合发展。

Objective To explore the relationship between population aging and commercial health insurance demand and its regional differences in China.Methods The panel data of 30 provinces in China from 2006 to 2017 was used to analyze with regression analysis.Results There had different hysteresis effect of commercial health insurance demand from population aging in different regions.The direction of hysteresis effect was different among central region and other regions.Population aging had the most obvious influence on commercial health insurance demand in western regions.GDP and the depth of insurance had a positive effect on the demand for commercial health insurance,while the insurance density had an insignificant effect on it.Conclusion It is suggested to attach great importance to the influence of population aging on the demand for commercial health insurance and its hysteresis effect in various regions,develop more commercial health insurance products beneficial to the elderly,provide financial subsidies for commercial health insurance for the elderly,and promote the integration of social medical insurance and commercial health insurance.