人口流动对个人购买商业医疗及养老保险的影响研究

The Impact of Population Mobility on the Purchase of Commercial Medical and Pen-sion Insurance

近十年来,我国人口流动趋势更加明显,在促进经济发展的同时,由于“流动”行为本身会增大触发各类风险的概率。加之当前我国社会保障能力有限,为研究人口流动是否会使个人通过购买商业医疗/养老保险来抵御风险,文章运用logit模型、PSM等方法对CGSS2017的数据进行实证分析,结果表明人口流动使得个人购买商业医疗/养老保险的概率分别提升了1.48和1.17个百分点,且存在个人和家庭方面的异质性。最后提出几点意见,1) 商业保险应进一步提升其可及性,推出符合流动人口特征的商业医疗/养老保险;2) 提高流动人口的风险意识;3) 营造一个有利于商业保险发展的大环境。

In recent ten years, the tendency of population flow in our country is more obvious. While promot-ing economic development, the probability of triggering various risks will increase because of the “Flow” behavior itself. In addition to our current limited social security capacity, in order to study whether population mobility will enable individuals to purchase commercial medical/pension in-surance to resist risks, this paper uses logit model and PSM to analyze the data of CGSS2017. The results show that population mobility increases the probability of purchasing commercial medical insurance by 1.48% and 1.17%, respectively, and there is heterogeneity in individual and family. Finally, a few suggestions are given. 1) The commercial insurance should further enhance its acces-sibility and introduce the commercial medical insurance/endowment insurance which is in line with the characteristics of floating population. 2) Increasing risk awareness among the floating population. 3) Create a conducive environment for the development of commercial insurance.