| China's commercial health insurance began in the early 80s.By the end of 1996,the government launched the basic medical insurance system for urban workers,marking China's commercial health insurance business started in full swing.But its development is not very smooth,at present,it seems that health risks become a contradiction:on the one hand,the market space is amazing,the public demand is urgent;on the other hand,the market supply is weak.This state can not meet the demand for health insurance,and insurance and social services for the highest ideals from.How to solve this problem and promote the healthy development of health insurance is the focus of this paper.In this paper,the demand for commercial health insurance is analyzed and quantified.First understand the existing commercial health insurance market development problems,and on this basis,through extensive reading of literature,2005 to 2014 China's 30 provinces,municipalities and autonomous regions(excluding Tibet,Tibet due to the lack of health insurance premium income is more serious)panel data analysis.The use of premium income,health insurance,employment in urban units total wages,personal income tax,the elderly dependency ratio,the proportion of basic medical insurance,the cost of medical care,high school education accounted for more than seven population indicators,this paper uses the personal income tax and health care costs two index analysis.At present,the research on the demand of health insurance mainly adopts time series analysis method and panel data analysis method,and the method of time series and panel data analysis is used.Although these two methods can reflect the essence of the problem to a certain extent,they have some defects.In order to study the application of time series data,generally require longer time dimension,time dimension and actual data are short;stability in the use of panel data analysis and overemphasise sequence.These problems can be solved by adding the spatial weight to the panel data,so this paper uses the method of adding the spatial weight in the panel data to study the influence factors of health insurance demand.First of all,this paper carries on the spatial correlation test to the selected data,and tests the insurance premium income does exist the spatial correlation,may use the space to measure the analysis method.Houseman(Hausman)test was used in the model selection,and the results showed that the model was fit for using the fixed effect model.Through the Lagrange test,it is suitable to use the fixed spatial error model.The establishment of a fixed spatial error model of this paper and the selected data,the results show that the estimation of employment in urban units total wages,personal income tax,basic medical insurance,health care costs and the proportion of the elderly dependency ratio five indicators are significantly affect the health of premium income,and are positively related;high school population ratio health insurance premium income is not significant.Finally,the empirical results are given the corresponding policy recommendations,including advice for the government is to establish personal health savings accounts,equitable distribution of income and the tax preferential policies;the insurance company's recommendations are based on the needs of the people to design targeted products and identify key market development.The first chapter is the introduction,which describes the research background and significance,ideas and methods,innovation and deficiencies,and systematically introduced the current domestic and international research status.The second chapter is the overview and market status of commercial insurance,mainly introduced China's commercial health insurance products,features and classification of supply and demand analysis of the current situation,the commercial health insurance and social health insurance and the insurance market for commercial health insurance regulation.The third chapter is the analysis of the impact factors of China's commercial health insurance demand,mainly through economic and policy factors,risk factors and social factors in three aspects.The fourth chapter and the fifth chapter are the core parts of the thesis.The fourth chapter is the empirical analysis of the influence factors of the commercial health insurance demand.This chapter introduces the data source and the variable description,the model description and the model construction.The fifth chapter is the conclusion and the policy suggestion,and the policy suggestion is divided into the suggestion of the government and the insurance company. |
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