影响农户购买小额医疗保险意愿的诸因素缕析  

Analysis of Main Factors Impacting Rural Households' Desires to Buy Micro-medical Insurance

作　　者：初可佳[1] 袁建华[1] 

机构地区：[1]广东金融学院,广东广州510520

出　　处：《现代财经（天津财经大学学报）》2011年第3期23-28,共6页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：教育部人文社会科学研究基金资助项目(09YJC840007)

摘　　要：利用两县597户农户样本数据,采用Logistic模型分析影响农户购买小额医疗保险意愿的主要因素,结果表明,农户购买小额医保的意愿总体上非常强烈,家庭收入、健康状况、对保险公司的信任程度、文化程度以及子女数量是影响保险需求的主要因素,而年龄、性别、婚姻状况对小额医保需求则影响不大。由于小额医保与新农合在保障层次上重复设置,小额医保的市场空间狭小,在既定的制度背景下,若要推行小额医保,则必须在产品功能和保障水平上与传统的新农合区别开来。The main factors impacting rural households＇ desires to buy micro-medical insurance are retrieved from 597 rural household＇s sample data from two countries,being analyzed by Logistic Model.The research showed that rural households＇ desire to buy micro-medical insurance was very strong.And their purchase decision was significantly affected by their income,health,the trust level to the insurance company,education and the number of children,while factors such as age,sex,marital status only had very minor impacts.Because of the security duplication at the micro-medical insurance and the NCMS,the market space of the micro-medical insurance was very small.In the context of existing system,to implement micro-medical insurance,we must distinguish the product function and protection level of the micro-medical insurance from the NCMS.

关 键 词：农户 小额医疗保险 购买意愿 LOGISTIC模型 

分 类 号：F840.684[经济管理—保险]