本文關(guān)鍵詞： 商業(yè)健康保險(xiǎn) 需求 影響因素　出處：《東北財(cái)經(jīng)大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

【摘要】：我國商業(yè)健康保險(xiǎn)起源于20世紀(jì)80年代初。1996年底,政府推出城鎮(zhèn)職工基本醫(yī)療保險(xiǎn)制度,標(biāo)志著中國商業(yè)健康保險(xiǎn)業(yè)務(wù)開始全面展開。但其發(fā)展卻不是很順利,目前看來健康險(xiǎn)成為一個(gè)矛盾體:一方面市場空間大得驚人,社會公眾需求迫切;另一方面市場供給乏力。這種狀態(tài)遠(yuǎn)遠(yuǎn)不能滿足人們對健康保險(xiǎn)的需求,而且與保險(xiǎn)為社會服務(wù)的最高理想相去甚遠(yuǎn)。如何解決這個(gè)問題,促進(jìn)健康險(xiǎn)順利發(fā)展則是本文研究的重點(diǎn)。本文主要就商業(yè)健康保險(xiǎn)的需求現(xiàn)狀進(jìn)行分析以及量化。首先了解目前市場上商業(yè)健康保險(xiǎn)發(fā)展存在的問題,在此基礎(chǔ)上,通過閱讀大量的文獻(xiàn),選擇2005年到2014年我國30個(gè)省、市、自治區(qū)(不包括西藏,由于西藏的健康保險(xiǎn)保費(fèi)收入缺失較為嚴(yán)重)的面板數(shù)據(jù)進(jìn)行分析。本文使用了健康保險(xiǎn)保費(fèi)收入、城鎮(zhèn)單位就業(yè)人員工資總額、個(gè)人所得稅、老年撫養(yǎng)比、基本醫(yī)療保險(xiǎn)參保比例、醫(yī)療保健費(fèi)用以及高中學(xué)歷人口占比等七個(gè)指標(biāo),其中本文首次使用了個(gè)人所得稅和醫(yī)療保健費(fèi)用兩個(gè)指標(biāo)。目前,有關(guān)健康保險(xiǎn)需求的研究主要采用時(shí)間序列分析方法和面板數(shù)據(jù)分析方法,而采用時(shí)間序列和面板數(shù)據(jù)分析方法的,較少涉及空間分析。這兩種方法雖然能一定程度上反映問題本質(zhì),但都有一定的缺陷。在運(yùn)用時(shí)間序列進(jìn)行研究時(shí),一般都要求數(shù)據(jù)時(shí)間維度較長,而實(shí)際中數(shù)據(jù)的時(shí)間維度往往較短;在運(yùn)用面板數(shù)據(jù)分析方法時(shí)又會過分強(qiáng)調(diào)序列的平穩(wěn)性。這些問題都可以通過在面板數(shù)據(jù)中加入空間權(quán)重得以解決,所以本文采用在面板數(shù)據(jù)中加入空間權(quán)重的方法去研究健康保險(xiǎn)需求的影響因素。首先本文對所選數(shù)據(jù)進(jìn)行空間相關(guān)性檢驗(yàn),檢驗(yàn)出健康保險(xiǎn)保費(fèi)收入確實(shí)存在空間相關(guān)性,可以使用空間計(jì)量分析方法。在模型的選擇上運(yùn)用了豪斯曼(Hausman)檢驗(yàn),結(jié)果顯示適合使用固定效應(yīng)模型。通過拉格朗日檢驗(yàn)得出,適合使用固定空間誤差模型。然后對本文所選的數(shù)據(jù)建立固定空間誤差模型,估計(jì)的結(jié)果顯示城鎮(zhèn)單位就業(yè)人員工資總額、個(gè)人所得稅、基本醫(yī)療保險(xiǎn)參保比例、醫(yī)療保健費(fèi)用以及老年撫養(yǎng)比五個(gè)指標(biāo)是顯著影響健康保費(fèi)收入的,而且都是正向相關(guān);高中學(xué)歷人口占比對健康保費(fèi)收入的影響不顯著。最后本文結(jié)合實(shí)證結(jié)果給出了相應(yīng)的政策建議,其中對政府的建議是建立個(gè)人健康儲蓄賬戶、收入分配公平化以及稅收優(yōu)惠政策;對保險(xiǎn)公司的建議是根據(jù)人群需要設(shè)計(jì)有針對性的產(chǎn)品以及找準(zhǔn)市場開拓的重點(diǎn)。本文第一章為緒論,分別闡述了本文的研究背景和意義、思路與方法、創(chuàng)新與不足,并系統(tǒng)地介紹了當(dāng)前國內(nèi)外的研究現(xiàn)狀。第二章為商業(yè)保險(xiǎn)的概述及市場現(xiàn)狀,主要介紹了我國商業(yè)健康保險(xiǎn)的特征和產(chǎn)品分類、需求和供給現(xiàn)狀分析、以及我國政府對商業(yè)健康保險(xiǎn)的監(jiān)管。第三章為我國商業(yè)健康保險(xiǎn)需求影響因素分析,主要通過經(jīng)濟(jì)與政策因素、風(fēng)險(xiǎn)因素和社會因素三方面來進(jìn)行分析。第四章和第五章為本文的核心部分。第四章為商業(yè)健康保險(xiǎn)需求影響因素的實(shí)證分析,該章介紹了數(shù)據(jù)來源和變量描述、模型說明及模型的構(gòu)建。第五章為結(jié)論和政策性建議,政策性建議分為對于政府的建議和對保險(xiǎn)公司的建議。
[Abstract]:China's commercial health insurance originated in the early 1980s.1996 at the end of the year, the government launched a basic medical insurance system for urban employees, marking the commercial health insurance business China began in full swing. But its development is not very smooth, there seems to be a contradiction of health insurance: on the one hand, the market space is staggering, the public demands on the other; on the one hand, the market supply is weak. This state can not meet the demand for health insurance, and the highest ideals from insurance and service to the society. How to solve this problem, promote the smooth development of health insurance is the focus of this paper. This article mainly carries on the analysis and quantification on demand of commercial health insurance. First understand the existing the development of commercial health insurance market, on this basis, through extensive reading of literature, 2005 to 2014 30 in China Provinces, city, autonomous region (not including Tibet, due to Tibet's health insurance premium income loss is more serious) panel data analysis. We use the health insurance premium income, the total wage employment in urban units, personal income tax, the elderly dependency ratio, the proportion of medical insurance, medical care and high school education accounted for seven of the population index ratio, this paper first use of the personal income tax and health care costs of two indicators. At present, the research on the health insurance demand, mainly by the method of time series analysis and panel data analysis method, and uses the time series and panel data analysis method, less involved in these two kinds of spatial analysis. Although the method can reflect the essence of the problem, but there are some defects in the research. By using the time series, generally require data between dimensions and long. The actual data in the time dimension are short; stability in the use of panel data analysis and overemphasise sequence. These problems can be solved by adding spatial weights in panel data, this paper used to study the factors affecting the demand for health insurance so the method of adding spatial weights in panel data in the first. The spatial correlation test of the selected data, check out the health insurance the existence of spatial correlation, spatial econometric analysis methods can be used. The choice of the model by Houseman (Hausman) test, results show the suitability of using fixed effect model. Through the Lagrange test results, suitable for the use of fixed spatial error model. The establishment of a fixed space error the model of this paper and the selected data, the estimation results show that total wage employment in urban units, personal income The proportion of tax, basic medical insurance, medical care and the elderly dependency ratio five indicators are significantly affecting the health of premium income, and are positively related to high school education; population effect on health insurance premium income is not significant. Finally, the empirical results gave the corresponding policy recommendations, including advice to the government is the establishment of personal health savings accounts, equitable distribution of income and the tax preferential policies; the insurance company's recommendations are based on the needs of the people to design targeted products and identify key market development. In this paper, chapter one is the introduction, which introduces the research background and significance, ideas and methods, innovation and deficiencies, and system introduces the research status at home and abroad. The second chapter is the overview and market status of commercial insurance, mainly introduced the characteristics and products of China's commercial health insurance Division Class, analysis of the current situation of supply and demand, and supervision of Chinese government on the commercial health insurance. The third chapter analyzes the influence factors of commercial health insurance in China, mainly through economic and policy factors, three risk factors and social factors were analyzed. The fourth chapter and the fifth chapter is the core part of this paper. The fourth chapter is an empirical analysis of the factors affecting the demand of commercial health insurance, this chapter introduces the sources of data and variables, and builds models to illustrate the model. The fifth chapter is the conclusion and policy suggestion and policy suggestions for the government divided into suggestions and on the insurance company's proposal.

【學(xué)位授予單位】：東北財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F842.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 朱銘來;王美嬌;;稅收優(yōu)惠政策對商業(yè)健康險(xiǎn)激勵效應(yīng)研究[J];保險(xiǎn)研究;2016年02期

2 王文靜;彭榮;王童;賴小桃;;基于面板模型的商業(yè)健康保險(xiǎn)需求影響因素研究[J];浙江金融;2015年05期

3 鎖凌燕;完顏瑞云;陳滔;;我國商業(yè)健康保險(xiǎn)地區(qū)發(fā)展失衡現(xiàn)狀及原因研究[J];保險(xiǎn)研究;2015年01期

4 田秀杰;謝琳;劉美微;;我國商業(yè)健康保險(xiǎn)需求影響因素實(shí)證分析[J];統(tǒng)計(jì)與咨詢;2014年06期

5 項(xiàng)俊波;;發(fā)展商業(yè)健康保險(xiǎn),服務(wù)國家醫(yī)藥衛(wèi)生體制改革[J];保險(xiǎn)研究;2014年12期

6 張連增;王皎;;影響我國壽險(xiǎn)需求的因素分析——基于省級面板數(shù)據(jù)的經(jīng)驗(yàn)分析[J];稅務(wù)與經(jīng)濟(jì);2014年01期

7 袁緣;譚毅;;中國財(cái)產(chǎn)保險(xiǎn)需求影響因素實(shí)證研究——基于2003年至2011年省級面板數(shù)據(jù)分析[J];金融理論與教學(xué);2013年03期

8 趙紅梅;蘇慧娟;;我國財(cái)產(chǎn)保險(xiǎn)需求影響因素研究——基于地區(qū)加權(quán)和時(shí)間加權(quán)的面板數(shù)據(jù)[J];保險(xiǎn)研究;2013年02期

9 謝芳;;影響我國商業(yè)健康保險(xiǎn)發(fā)展的因素及其發(fā)展策略[J];旅游縱覽(下半月);2012年10期

10 彭曉博;孫祁祥;;中國農(nóng)民健康保險(xiǎn)需求影響因素的灰色關(guān)聯(lián)分析[J];保險(xiǎn)研究;2012年10期

相關(guān)博士學(xué)位論文 前1條

1 龔貽生;中國商業(yè)健康保險(xiǎn)發(fā)展戰(zhàn)略研究[D];南開大學(xué);2012年

相關(guān)碩士學(xué)位論文 前8條

1 肖嫻;我國團(tuán)體健康保險(xiǎn)發(fā)展的影響因素分析[D];山東大學(xué);2015年

2 蘇俊鵬;中國商業(yè)健康保險(xiǎn)的需求影響因素分析[D];廣東外語外貿(mào)大學(xué);2015年

3 杜佳琳;我國商業(yè)健康保險(xiǎn)需求影響因素研究[D];中國海洋大學(xué);2014年

4 沈鴻;我國商業(yè)健康保險(xiǎn)的稅收政策問題研究[D];廣西大學(xué);2014年

5 楊俊;我國商業(yè)健康保險(xiǎn)需求影響因素的實(shí)證分析[D];吉林大學(xué);2014年

6 崔文yN;中國商業(yè)健康保險(xiǎn)需求影響因素分析[D];西南財(cái)經(jīng)大學(xué);2014年

7 李偉;不確定性對健康保險(xiǎn)需求的影響[D];華中科技大學(xué);2007年

8 楊霞;中國保險(xiǎn)需求實(shí)證研究[D];武漢大學(xué);2005年

，

本文編號：1520788