发展商业健康保险能提升经济效益吗?--理论和实证的双重视角

Can the development of commercial health insurance promote economic benefits?:Based on dual perspectives of theory and empirical evidence

本文探讨了商业健康保险促进经济效益提升的效应及其机制。从理论上看,商业健康保险除了为居民提供健康风险保障之外,还可以促进大健康产业链协调发展、促进风险减量,并积累资本,助力经济高质量发展。从实证上,本文构建了更符合中国发展现实的商业健康保险发展指数,并从经济发展的基本面、社会效益和行业变革三个维度编制了商业健康保险经济效益指数,对2007—2019年31个省区的商业健康保险发展及经济效益水平进行了测度,在此基础上进行了进一步的计量分析。研究发现,商业健康险发展能够促进经济效益提升;同时,商业健康保险对经济效益的影响受经济环境本身的制约,经济越发达这种效应就会越明显。最后对促进商业健康保险进一步发展提出了针对性的建议。

This paper discusses the effect of commercial health insurance on promoting economic benefits and the underlying mechanism.Theoretically,in addition to providing protection against health risks for residents,commercial health insurance can also promote the coordinated development of big health industry chain,promote risk reduction,facilitate capital accumulation,and contribute to high-quality economic development.Empirically,this paper constructed commercial health insurance development indices that better conform to China s development reality,compiled commercial health insurance economic benefit index from three dimensions:fundamentals of economic development,social benefits and industry changes,and evaluated the development and economic benefit level of commercial health insurance in 31 provinces during the years of 2007—2019,based on which it carried out further quantitative analysis.The study found that the development of commercial health insurance can promote economic benefits;furthermore,the impact of commercial health insurance on economic benefits is restricted by the economic environment itself,so that the more developed the economy,the more obvious the impact.In the end,the paper put forward some suggestions for promoting the further development of commercial health insurance.