本文關(guān)鍵詞： 醫(yī)療保障 商業(yè)健康險(xiǎn) 保險(xiǎn)市場(chǎng) 實(shí)證分析　出處：《西南財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：“十一五”期間,我國(guó)的社會(huì)保障制度體系經(jīng)歷了自建國(guó)以來發(fā)展最為迅速的時(shí)期,在總體上,已經(jīng)形成了覆蓋城鄉(xiāng)居民社會(huì)保障體系的基本框架,居民的生活保障水平得到顯著提高。但從目前社會(huì)基本醫(yī)療體系改革的結(jié)果來看,效果不太明顯,“看病貴,看病難”、“醫(yī)患關(guān)系緊張”、“醫(yī)護(hù)人員積極性不高”三大現(xiàn)實(shí)問題仍存在于我國(guó)的現(xiàn)實(shí)生活中,仍是我國(guó)社會(huì)基本醫(yī)療體系改革的進(jìn)程中最亟待解決的問題。 為解決上述問題,我們必須充分發(fā)揮商業(yè)健康險(xiǎn)在我國(guó)社會(huì)醫(yī)療保障體系中的補(bǔ)充作用。本文基于對(duì)我國(guó)社會(huì)醫(yī)療體系改革的背景和商業(yè)健康險(xiǎn)在我國(guó)發(fā)展?fàn)顩r的思考,從理論和實(shí)證兩個(gè)角度,對(duì)影響我國(guó)商業(yè)健康險(xiǎn)發(fā)展水平的因素進(jìn)行了深入研究。期望通過此分析,準(zhǔn)確把握促進(jìn)商業(yè)健康險(xiǎn)健康持續(xù)發(fā)展的關(guān)鍵點(diǎn),為我國(guó)商業(yè)健康險(xiǎn)的健康發(fā)展提供有益的借鑒。 本文的寫作主要分為六章,其研究框架和內(nèi)容如下： 前兩章為理論分析,作者首先闡述了本文的選題背景與意義,進(jìn)而對(duì)國(guó)內(nèi)外相關(guān)學(xué)者的研究進(jìn)行了分析和評(píng)述；然后本文對(duì)商業(yè)健康險(xiǎn)的相關(guān)概念進(jìn)行了明晰,并對(duì)商業(yè)健康險(xiǎn)的消費(fèi)理論進(jìn)行了詳細(xì)分析。 第三章,基于我國(guó)保險(xiǎn)市場(chǎng)總體發(fā)展情況,作者從保費(fèi)收入增長(zhǎng)、保險(xiǎn)深度和保險(xiǎn)密度三個(gè)角度對(duì)各主要險(xiǎn)種的情況進(jìn)行了對(duì)比分析,對(duì)我國(guó)商業(yè)健康險(xiǎn)目前的發(fā)展情況和地位進(jìn)行更清楚的描述。 第四章,闡述商業(yè)健康險(xiǎn)自身的風(fēng)險(xiǎn)異質(zhì)性問題,并從理論和定量分析的角度對(duì)可能影響我國(guó)商業(yè)健康險(xiǎn)發(fā)展水平的影響因素進(jìn)行梳理分析,為后一章的實(shí)證分析提供對(duì)應(yīng)的理論和數(shù)據(jù)支撐。 第五章,通過前文的理論分析,利用相關(guān)數(shù)據(jù)建立回歸模型,對(duì)揭示我國(guó)商業(yè)健康險(xiǎn)發(fā)展水平的三個(gè)主要指標(biāo)進(jìn)行實(shí)證研究,以準(zhǔn)確刻畫各影響因素對(duì)各被解釋變量的影響方向和程度,并對(duì)實(shí)證結(jié)果進(jìn)行討論。 第六章,基于前文所有分析,主要是結(jié)合本文理論和實(shí)證結(jié)果,對(duì)本文的研究進(jìn)行總結(jié)概括,并有針對(duì)性的提出了促進(jìn)我國(guó)商業(yè)健康險(xiǎn)發(fā)展的相關(guān)建議。 根據(jù)本文研究發(fā)現(xiàn),經(jīng)濟(jì)因素是影響商業(yè)健康險(xiǎn)發(fā)展水平的決定性因素,而人口因素則是商業(yè)健康險(xiǎn)發(fā)展的基礎(chǔ),政府行為又往往能夠改善和引導(dǎo)商業(yè)健康險(xiǎn)的發(fā)展,最重要的,商業(yè)健康險(xiǎn)發(fā)展水平的影響因素并不完全獨(dú)立,這些因素總是相互作用,從而共同決定這一結(jié)果。 本文的創(chuàng)新之處在于：首先,從理論上,用信息不對(duì)稱理論、格羅斯曼健康需求模型以及前景理論三大理論對(duì)我國(guó)商業(yè)健康保險(xiǎn)的發(fā)展經(jīng)營(yíng)和消費(fèi)者購(gòu)買行為進(jìn)行了系統(tǒng)分析；其次,在實(shí)證研究數(shù)據(jù)的選擇上,選取包含“十一五”,即我國(guó)社會(huì)保障體系發(fā)展最為迅速時(shí)期,以使研究的結(jié)果更真實(shí)的表明影響我國(guó)商業(yè)健康險(xiǎn)發(fā)展水平最顯著的因素；最后,在被解釋變量的選擇以及研究方法上,用商業(yè)健康保險(xiǎn)深度、商業(yè)健康保險(xiǎn)密度以及商業(yè)健康保險(xiǎn)保費(fèi)收入占衛(wèi)生總費(fèi)用的比重三個(gè)指標(biāo)作為被解釋變量,力求分析能夠更加全面客觀。
[Abstract]:"11th Five-Year" period, the social security system of our country has experienced the most rapid development period since the founding of new China, in general, has formed the basic framework of the social security system covering urban and rural residents, residents living level has been improved. But from the current social basic medical system reform results, the effect is not too obvious, "expensive and difficult", "tense doctor-patient relationship", "medical staff enthusiasm is not high" three major problems still exist in our real life, the most urgent is the basic medical system of China's social reform in the course of the problem.
In order to solve these problems, we must give full play to the commercial health insurance in the social medical insurance system in China. Based on the complementary role of the social medical system reform of our country and the background of commercial health insurance in China's development thinking, from two aspects of theory and empirical, the influence factors on the development level of China's commercial insurance health is studied. Through this analysis, accurately grasp the key points to promote the sustained and healthy development of the commercial health insurance, provide a useful reference for the healthy development of commercial health insurance in China.
The writing of this article is divided into six chapters, and its research framework and content are as follows:
The two chapter is the theoretical analysis, the author firstly introduces the background and significance of this paper, the research of scholars at home and abroad are reviewed and analyzed in detail; then the relevant concepts of commercial health insurance were clear, and the commercial health insurance consumption theory is analyzed in detail.
In the third chapter, based on the overall development of China's insurance market, the author makes a comparative analysis of the main insurance categories from three angles of premium income growth, insurance depth and insurance density, and makes a clearer description of the current development and status of China's commercial health insurance.
The fourth chapter elaborates the risk heterogeneity of business health insurance, and analyzes the factors that may affect the development level of China's commercial health insurance from the perspective of theory and quantitative analysis, so as to provide corresponding theoretical and data support for the empirical analysis of the latter chapter.
The fifth chapter, through the above theoretical analysis, the use of relevant data to establish regression model, an empirical study of the three main indicators to reveal China's commercial health insurance development level, to characterize the impact of various factors on the interpretation of the direction and extent of influence variables, and the results are discussed.
The sixth chapter, based on all previous analysis, is mainly based on the theoretical and empirical results of this paper, summarizes the research in this paper, and puts forward pertinent suggestions for promoting the development of commercial health insurance in China.
According to the findings of this study, the economic factor is the decisive factors that influence the development of commercial health insurance level, while the population factor is the basis of development of commercial health insurance, the development of government behavior and can improve and guide the commercial health insurance, the most important factors affecting the development of commercial insurance, the level of health is not completely independent, these factors are always the role, which jointly determine the result.
The innovation of this paper lies in: firstly, in theory, by using the theory of information asymmetry, on China's commercial health insurance business and consumer demand model and Grossman healthy development prospect theory three purchasing behavior theory is analyzed; secondly, in the empirical research on the choice of data, selects "11th Five-Year", namely the development of I China's social security system is the most rapid period, in order to make the results of the study show that real factors affecting the level of development of China's commercial health insurance is the most significant; finally, in the choice of the explanatory variables and research methods, with the depth of commercial health insurance, commercial health insurance and the density of the commercial health insurance premium income accounted for the total health the cost of the proportion of the three indicators as explanatory variables, to analysis to be more comprehensive and objective.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.684

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本文編號(hào)：1508009