商业健康保险发展水平影响因素的理论和实证分析

发布时间：2018-02-13 11:03

本文关键词： 医疗保障商业健康险保险市场实证分析　出处：《西南财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：“十一五”期间,我国的社会保障制度体系经历了自建国以来发展最为迅速的时期,在总体上,已经形成了覆盖城乡居民社会保障体系的基本框架,居民的生活保障水平得到显著提高。但从目前社会基本医疗体系改革的结果来看,效果不太明显,“看病贵,看病难”、“医患关系紧张”、“医护人员积极性不高”三大现实问题仍存在于我国的现实生活中,仍是我国社会基本医疗体系改革的进程中最亟待解决的问题。为解决上述问题,我们必须充分发挥商业健康险在我国社会医疗保障体系中的补充作用。本文基于对我国社会医疗体系改革的背景和商业健康险在我国发展状况的思考,从理论和实证两个角度,对影响我国商业健康险发展水平的因素进行了深入研究。期望通过此分析,准确把握促进商业健康险健康持续发展的关键点,为我国商业健康险的健康发展提供有益的借鉴。本文的写作主要分为六章,其研究框架和内容如下：前两章为理论分析,作者首先阐述了本文的选题背景与意义,进而对国内外相关学者的研究进行了分析和评述；然后本文对商业健康险的相关概念进行了明晰,并对商业健康险的消费理论进行了详细分析。第三章,基于我国保险市场总体发展情况,作者从保费收入增长、保险深度和保险密度三个角度对各主要险种的情况进行了对比分析,对我国商业健康险目前的发展情况和地位进行更清楚的描述。第四章,阐述商业健康险自身的风险异质性问题,并从理论和定量分析的角度对可能影响我国商业健康险发展水平的影响因素进行梳理分析,为后一章的实证分析提供对应的理论和数据支撑。第五章,通过前文的理论分析,利用相关数据建立回归模型,对揭示我国商业健康险发展水平的三个主要指标进行实证研究,以准确刻画各影响因素对各被解释变量的影响方向和程度,并对实证结果进行讨论。第六章,基于前文所有分析,主要是结合本文理论和实证结果,对本文的研究进行总结概括,并有针对性的提出了促进我国商业健康险发展的相关建议。根据本文研究发现,经济因素是影响商业健康险发展水平的决定性因素,而人口因素则是商业健康险发展的基础,政府行为又往往能够改善和引导商业健康险的发展,最重要的,商业健康险发展水平的影响因素并不完全独立,这些因素总是相互作用,从而共同决定这一结果。本文的创新之处在于：首先,从理论上,用信息不对称理论、格罗斯曼健康需求模型以及前景理论三大理论对我国商业健康保险的发展经营和消费者购买行为进行了系统分析；其次,在实证研究数据的选择上,选取包含“十一五”,即我国社会保障体系发展最为迅速时期,以使研究的结果更真实的表明影响我国商业健康险发展水平最显著的因素；最后,在被解释变量的选择以及研究方法上,用商业健康保险深度、商业健康保险密度以及商业健康保险保费收入占卫生总费用的比重三个指标作为被解释变量,力求分析能够更加全面客观。
[Abstract]:"11th Five-Year" period, the social security system of our country has experienced the most rapid development period since the founding of new China, in general, has formed the basic framework of the social security system covering urban and rural residents, residents living level has been improved. But from the current social basic medical system reform results, the effect is not too obvious, "expensive and difficult", "tense doctor-patient relationship", "medical staff enthusiasm is not high" three major problems still exist in our real life, the most urgent is the basic medical system of China's social reform in the course of the problem.
In order to solve these problems, we must give full play to the commercial health insurance in the social medical insurance system in China. Based on the complementary role of the social medical system reform of our country and the background of commercial health insurance in China's development thinking, from two aspects of theory and empirical, the influence factors on the development level of China's commercial insurance health is studied. Through this analysis, accurately grasp the key points to promote the sustained and healthy development of the commercial health insurance, provide a useful reference for the healthy development of commercial health insurance in China.
The writing of this article is divided into six chapters, and its research framework and content are as follows:
The two chapter is the theoretical analysis, the author firstly introduces the background and significance of this paper, the research of scholars at home and abroad are reviewed and analyzed in detail; then the relevant concepts of commercial health insurance were clear, and the commercial health insurance consumption theory is analyzed in detail.
In the third chapter, based on the overall development of China's insurance market, the author makes a comparative analysis of the main insurance categories from three angles of premium income growth, insurance depth and insurance density, and makes a clearer description of the current development and status of China's commercial health insurance.
The fourth chapter elaborates the risk heterogeneity of business health insurance, and analyzes the factors that may affect the development level of China's commercial health insurance from the perspective of theory and quantitative analysis, so as to provide corresponding theoretical and data support for the empirical analysis of the latter chapter.
The fifth chapter, through the above theoretical analysis, the use of relevant data to establish regression model, an empirical study of the three main indicators to reveal China's commercial health insurance development level, to characterize the impact of various factors on the interpretation of the direction and extent of influence variables, and the results are discussed.
The sixth chapter, based on all previous analysis, is mainly based on the theoretical and empirical results of this paper, summarizes the research in this paper, and puts forward pertinent suggestions for promoting the development of commercial health insurance in China.
According to the findings of this study, the economic factor is the decisive factors that influence the development of commercial health insurance level, while the population factor is the basis of development of commercial health insurance, the development of government behavior and can improve and guide the commercial health insurance, the most important factors affecting the development of commercial insurance, the level of health is not completely independent, these factors are always the role, which jointly determine the result.
The innovation of this paper lies in: firstly, in theory, by using the theory of information asymmetry, on China's commercial health insurance business and consumer demand model and Grossman healthy development prospect theory three purchasing behavior theory is analyzed; secondly, in the empirical research on the choice of data, selects "11th Five-Year", namely the development of I China's social security system is the most rapid period, in order to make the results of the study show that real factors affecting the level of development of China's commercial health insurance is the most significant; finally, in the choice of the explanatory variables and research methods, with the depth of commercial health insurance, commercial health insurance and the density of the commercial health insurance premium income accounted for the total health the cost of the proportion of the three indicators as explanatory variables, to analysis to be more comprehensive and objective.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.684

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