信息来源渠道及体检行为对我国居民商业性医疗保险的参保行为影响分析——基于CGSS2021的数据分析  

Analysis of the Impact of Information Source Channels and Physical Examination Behaviors on the Participation Behavior of Commercial Medical Insurance for Chinese Residents--Data Analysis Based on CGSS2021

作　　者：李涵 Han Li(School of Management,Shanghai University of Engineering Science,Shanghai)

机构地区：[1]上海工程技术大学管理学院,上海

出　　处：《运筹与模糊学》2024年第2期1207-1215,共9页Operations Research and Fuzziology

摘　　要：本文通过使用StataMP18软件建立二元Logistic模型对2021年中国综合社会调查(CGSS)数据进行分析,探究信息来源渠道及体检行为对我国居民的商业性医疗保险参保行为的影响。实证分析结果表明,主要信息来源变量及体检行为变量均对参保行为产生显著性影响,使用互联网作为主要信息来源的居民更加倾向于购买商业性医疗保险;定期参加体检的居民更加倾向于购买商业性医疗保险。因此,应当通过互联网新媒体加强宣传商业性医疗保险对于医疗保障的重要补充作用,同时提倡全员体检,实施健康优惠政策,发挥政府的主导作用,更好地提高我国的医疗保障水平。This article uses StataMP18 software to establish a binary logistic model to analyze the 2021 China General Social Survey(CGSS)data,exploring the impact of information sources and physical examination behavior on the commercial medical insurance participation behavior of Chinese residents.The empirical analysis results show that the main information source variables and physical examination behavior variables have a significant impact on the insured behavior.Residents who use the Internet as the main information source are more inclined to buy commercial medical insurance;Residents who regularly participate in physical examinations are more inclined to purchase commercial medical insurance.Therefore,we should strengthen the publicity of the important complementary role of commercial medical insurance for medical security through new Internet media,and at the same time,we should promote physical examination for all employees,implement preferential health policies,give play to the leading role of the government,and better improve the level of medical security in China.

关 键 词：商业性医疗保险 信息来源 互联网 体检 

分 类 号：F83[经济管理—金融学]