商业健康保险地区发展差异及其影响因素研究——基于需求视角的分析  

Regional differences in commercial health insurance and the influencing factors: a study from the perspective of demands

作　　者：杨波[1] 蒋如玥 

机构地区：[1]南京大学经济学院,江苏南京210093

出　　处：《东南大学学报（哲学社会科学版）》2018年第3期60-68,共9页Journal of Southeast University(Philosophy and Social Science)

摘　　要：一旦健康险的发展出现较明显的地区失衡,将对我国的健康产业、医疗保障制度产生不利影响。通过构建健康险发展指数,衡量了健康险目前的地区差异现状,进而对造成健康险地区发展差异的因素进行理论分析,并结合2006~2015年中国境内31个省直辖市自治区的面板数据开展实证研究。结果表明,人均收入、预期寿命在东中西部均对健康险发展有所影响;医疗卫生水平、教育水平在东部、中部地区的影响总体为正,城镇人口比率在东部、中部地区有负的影响,但这些指标在西部地区并不显著;财政支出在中部、西部地区的影响有显著性,但在东部地区影响不显著。基于此,从政府和保险业两个角度,提出了一些启示。Any serious regional imbalance in the development of health insurance will adversely affect the health industry and medical security system in our country.By constructing the index of health insurance development,this paper shows the status quo of regional differences in health insurance,explores the reasons behind that and conducts an empirical research by analyzing the panel data of 31 provinces in China from 2006 to 2015.The results show that per capita income and life expectancy have an impact on the development of health insurance in East/Middle/West China.Health care level and education level have a positive impact in East/Middle China,and the urban population ratio has a negative impact in East/Middle China,but these indicators are not significant in West China.Fiscal expenditure has a negative impact in Middle/West China,but has no significant impact in East China.This paper also offers suggestions for policy makers in governments and insurance industry.

关 键 词：商业健康保险 地区差异 指数构建 实证研究 

分 类 号：F842[经济管理—保险]