The Analysis Of Unbalanced Development And Influencing Factors Of Regional Commercial Health Insurance In China

Because of our country aging degree further deepening,plus the increasing incidence of the elderly,and other factors,such as the change of family structure,more and more people begin to pay close attention to health problems.Commercial health insurance,as a supplement of the social medical insurance form,has larger development space than ever before.The researches on development of commercial health insurance and its influencing factors can find out the problems and its measures in development of commercial health insurance,which has certain practical significance.The main work of this paper is as follows:1.The research background,significance,the development and influencing factors of commercial health insurance and researches status at home and abroad are described.2.Introducing the insurance density,insurance depth,Theil index,double-log linear model and its test methods.3.Analyzing the development status of China's urban commercial health insurance in different regions.Firstly,3 1 provinces,municipalities and autonomous regions in China are divided into eastern,central and western regions,and I collect statistics of commercial health insurance income and spending from their statistics bureau's website from 2007 to 2016;Then,using Matlab software to analyze the regional development speed and disequilibrium of urban commercial health insurance in China;Finally,the reasons of unbalanced development of urban commercial health insurance are analyzed.4.Factors of influencing China's commercial health insurance demand are analyzed.First,the corresponding indicators were selected for each influencing factor;then the relevant data from 2007 to 2016 were selected,and the factors influencing China's commercial health insurance demand were analyzed by using the double-log linear model.5.Putting forward corresponding policy suggestions according to the research conclusions.