中国社会医疗保险扩张会促进商业健康保险发展吗?  

Does the Expansion of Social Health Insurance in China Promote the Development of Private Health Insurance?

作　　者：彭浩然[1] 郑倩昀 呙玉红[3] 

机构地区：[1]中山大学岭南学院,广东广州510275 [2]广东财经大学金融学院,广东广州510320 [3]华南农业大学经济管理学院,广东广州510642

出　　处：《金融研究》2017年第5期97-110,共14页Journal of Financial Research

基　　金：国家社科基金重大项目"中国特色现代社会福利制度框架设计研究"(15ZDA050);国家社科基金重点项目"中国社会医疗保险制度整合的效果评价"(13AGL011);广州市人文社会科学重点研究基地资助项目的支持

摘　　要：由于不同国家的卫生筹资体系存在显著差异,所以社会医疗保险与商业健康保险之间的关系在学术界一直存有较大争议。本文利用我国30个省级行政单位2004-2014年的数据,发现在不同社会医疗保险发展程度的地区,社会医疗保险与商业健康保险之间的关系存在显著差异,具体表现在:(1)在社会医疗保险发展程度较高的地区,两者之间存在倒U型关系。(2)在社会医疗保险发展程度中等的地区,社会医疗保险发展促进了商业健康保险的发展,两者之间存在着互补关系。(3)在社会医疗保险发展程度较低的地区,社会医疗保险与商业健康保险之间的关系并不明显。基于以上结论,本文认为合理控制社会医疗保险规模对于发挥我国商业健康保险的补充作用具有一定意义。The relationship between social heahh insurance （SHI） and private health insurance （PHI） has been a controversial issue in academia since there are remarkable differences in health financing system in different countries. Using the balanced panel data of 30 provinces from 2004 to 2014 in China,we employ a two - way fixed effect model to investigate such question. Our results show that the relationship between SHI and PHI varies greatly with the development degree of SHI. In regions with high development degree of SHI, there exists a significant inversed - U shape relationship between SHI and PHI. SHI promotes the development of PHI in regions with medium development degree of SHI. While, there has no significant relationship between SHI and PHI in regions which have low development degree of SHI. Based on the above conclusions, we argue that reasonable controlling the size of SHI has great significance for China to play a supplementary role of PHI.

关 键 词：社会医疗保险 商业健康保险 双向固定效应 

分 类 号：F842.6[经济管理—保险]