The Influencing Factor Analysis Of Commercial Health Insurance In China

Commercial health insurance is an important part of the medical insurance system in China. We should develop commercial health insurance positively to build the perfect health care system. The principle of social basic medical insurance should be adhering to the" wide coverage, low-security". At present, the demand for health insurance is variety. So, we should develop commercial health insurance positively. Then, people can enjoy a more comprehensive and higher quality health care protection. The same time, by means of market-oriented, we can save public resource in effect and reduce the state’s financial burden. The paper is divided into five parts to study the system of commercial health insurance in China.Chapter1:Introduction. Clear purpose of the study and significance of topics, summarize in the commercial health insurance at home and abroad of the status quo.Chapter2:The general theory of the development of commercial health insurance. This is the theoretical basis of this paper. Define the concept of commercial health insurance and the general model of development. Using the economic theory in order to study on the utility, demand and risk of commercial health insurance.Chapter3:Development status and influencing factors of commercial health insurance in China. First, it described the status quo market of commercial health insurance in china.Then, it analyzed the influencing factors of commercial health insurance from both supply and demand.Chapter4:The empirical analysis on the influence factors of commercial health insurance in China. I selected6index of China as explanatory variables, and selected the commercial health insurance income of China as be explained variables. I discussed the relationship between the explanatory variables to the explained variables by eviews6.0, and analyzed the results of model test.Chapter5:Suggestions. Make recommendations for the development of commercial health insurance from the mode selection, the supply of health insurance, health insurance needs of the three aspects.