Research On The Impact Of Health Insurance On Residents' Consumption Upgrade

Reasonable and mature social consumption will play a more and more important role than investment and export in the sustainable and healthy development of China's economy and society today and in the future.As the most important part of social consumption,residents' consumption psychology and the state and change of consumption behavior greatly affect their consumption level and then affect social consumption.It is of theoretical and practical significance to pay attention to and analyze some important factors affecting residents' consumption psychology and consumption behavior and then to grasp and guide residents' consumption and promote residents' consumption upgrading.The purchase of commercial health insurance is not only one of the important contents and items of residents' modern consumption,but also affects residents' other consumption psychology and behavior,affecting residents' consumption upgrade.Starting from the relationship between commercial health insurance and changes in consumer spending,this paper observed and analyzed the influence of the development level of China's commercial health insurance market and the purchase status of residents' health insurance on other aspects of residents' consumption psychology,consumption behavior and consumption level,as well as the direction and degree of influence.This paper has carried on the general theory elaboration,the practical situation observation and the mathematical demonstration analysis three levels and the Angle research successively to the establishment two relations.In the process of examining and studying the data of health insurance and residents' consumption in recent years,it is found that they are similar in changing trend,that is,with the improvement of residents' consumption level,the health insurance business is also developing gradually.Thus papers on health insurance development data and data based on the life,to establish a polynomial model and logistic model,by processing and comparing the polynomial model and logistic model,draws the following conclusions: in the commercial health insurance premiums,residents per capita disposable income,the dependency ratio and so on three aspects,people in the commercial health insurance on the purchasing expenditure and the disposable income of the two indicators of residents' consumption psychology and behavior has a more effective influence;Commercial health insurance,as an endogenous variable,refers to the fact that health insurance itself is a kind of modern consumption and an important part of the whole consumption system of residents.The impact of commercial health insurance on residents' consumption level,consumption structure and consumption level is much more elastic than basic medical insurance,endowment insurance and other factors.Based on this,vigorously develop commercial health insurance can not only improve the whole medical system architecture in our country,but also to boost domestic demand,adjust the structure of consumption and improve economic running quality of macro indicators have stronger economic effect,more fundamentally,the increase of the will of residents' consumption and promote consumption of residents,enhance the quality of residents' consumption.As a specific application of the research,it is noted that there are some problems in the process of promoting residents' consumption upgrading in the current health insurance: residents' consumption psychology and consumption behavior are immature and unreasonable,and traditional consumption has certain inertia;Adverse selection and moral hazard of health insurance are serious.The overall supply of health insurance is seriously insufficient.The service level and quality of health insurance need to be improved.The product form level of health insurance development is still low.Based on the positive interaction between health insurance and residents' consumption psychology and behavior,Suggestions to develop health insurance to promote residents' consumption upgrading are as follows: actively and correctly guide,promote and protect residents' consumption transformation and upgrading;To control and reduce adverse selection and moral hazard of health insurance and promote the healthy and sustainable development of health insurance market at low cost;We should promote the supply-side reform of health insurance and encourage social capital to enter the field of health insurance to expand the effective supply of health insurance.Improve the professional management level of health insurance,introduce and cultivate a large number of health insurance professionals,especially pay attention to improve the professional service level of professional health insurance companies;Accelerate the upgrading of health insurance guarantee content and product form itself.