商业健康保险对家庭消费及其结构的影响

发布时间：2018-03-06 06:21

本文选题：商业健康保险　切入点：家庭消费　出处：《山东大学》2017年硕士论文　论文类型：学位论文

【摘要】：商业健康保险起源于上世纪80年代,整个增长过程较为缓慢,直到2000年以后才迎来了其新的发展机遇。根据中国保监会发布的《2015年保险统计数据报告》,2015年我国的健康保险业务原保险保费收入约为2410.47亿元,这一数据在2000年只有约28亿元,2000年到2015年保费收入增加近86倍,平均增长率为34.5%。我国2006年到2015年的十年间,健康保险保费收入的复合增长率高达118.4%。尽管我国商业健康保险近年来高速增长,但对标国际上发达国家的发展水平,还有巨大的差距和广阔的发展空间。同时为了构建多层次的医疗保障体系,在社保基金收支存在极大压力的情况下,我们必须大力发展商业健康险作为医疗保险的补充。鉴于此,为了加快我国商业健康险的发展速度,从宏微观两个角度增加对商业健康险的研究就十分必要。本文通过微观数据库CHFS,运用工具变量的方法解决了模型内生性的问题,实证分析研究了商业健康保险对我国居民家庭消费的影响,并将消费支出进行了拆分探究商业健康险对不同种类消费以及消费结构的影响。文章共分为六部分:第一部到第三部分在详细考察中国商业健康保险发展现状和国内外文献综述的基础上确定了本文的研究内容、思路与方法。第四部分详细介绍了实证模型和所使用的数据。第五部分进行了实证分析并分三部分分别阐述了商业健康保险对城乡家庭高级消费、消费总额、消费结构的影响。第六部分根据前文的研究总结了研究结论并提出了政策性意见。研究发现:商业健康保险对高级消费的正向促进作用是家庭收入及其他社会保障手段和家庭收入来源的3倍以上;购买商业健康保险促使家庭总消费水平平均增加96.4%;商业健康保险对农村家庭的消费边际影响更大,约为对城市家庭消费影响的2.6倍;商业健康保险对家庭消费结构的优化也有积极的促进作用,尤其对农村家庭消费结构的影响更大。研究结果都说明商业健康保险能够有效的减少家庭预防性储蓄,释放消费潜力,拉动内需,在优化家庭消费结构的基础上促进国家经济的高速发展。本文的主要创新点和优势在于:第一,在实证过程中工具变量的选取与以往研究有了很大的突破,创新性的加入了家庭对商业保险的认识、户主对医疗信息关注程度的二元变量,使得工具变量组的有效性大大提高,从而得出了更精准的效果预测。第二,我国对于商业健康保险和家庭消费关系的研究文献较少,该研究填补了微观层面研究领域的空白,为商业健康保险的进一步发展提供了理论支持。第三,将消费按照需求进行划分,更容易划分商业健康保险对不同消费支出的影响。第四,将农业与非农业家庭做了分组对照分析,分析反映了商业健康保险对不同群体影响的巨大差异。
[Abstract]:Commercial health insurance originated in -20s, and the whole process of growth has been relatively slow. It was not until 2000 that it ushered in a new development opportunity. According to the Insurance Statistics report of 2015 issued by the China Insurance Regulatory Commission, the original insurance premium income of China's health insurance business in 2015 was about two hundred and forty-one billion forty-six million nine hundred and ninety-nine thousand and nine hundred and ninety-nine yuan. This figure was only about 2.8 billion yuan in 2000. Between 2000 and 2015, premium income increased nearly 86 times, with an average growth rate of 34.5 yuan. The compound growth rate of health insurance premium income is as high as 118.4%. Although China's commercial health insurance has increased at a high speed in recent years, it is still in line with the level of development of the developed countries in the world. There is also a huge gap and broad room for development. At the same time, in order to build a multi-level medical security system, when there is great pressure on the income and expenditure of the social security fund, We must vigorously develop commercial health insurance as a supplement to medical insurance. In view of this, in order to speed up the development of commercial health insurance in China, It is necessary to increase the research on commercial health insurance from macro and micro angles. This paper solves the problem of model endogeneity by means of microcosmic database CHFSand the method of tool variable. Empirical analysis of the impact of commercial health insurance on household consumption in China, The article is divided into six parts: the first part to the third part is to investigate the current development of commercial health insurance in China and the impact of commercial health insurance on different types of consumption and consumption structure in detail, the article is divided into six parts: the first part to the third part is a detailed review of the development of commercial health insurance in China. On the basis of literature review at home and abroad, the research contents of this paper are determined. In part 4th, the empirical model and the data used are introduced in detail. In part 5th, the empirical analysis is carried out, and the commercial health insurance is divided into three parts to illustrate the high consumption of urban and rural households and the total consumption of commercial health insurance. Part 6th summarizes the conclusion of the research and puts forward the policy opinion according to the previous research. The study finds that the positive effect of commercial health insurance on high consumption is household income and other social insurance. More than three times the means of barrier and the source of household income; The purchase of commercial health insurance promotes the average increase of the total consumption level of households by 96.40.The marginal impact of commercial health insurance on rural households is greater than that on urban households, which is about 2.6 times that of urban households. Commercial health insurance also has a positive effect on the optimization of household consumption structure, especially on rural household consumption structure. The results show that commercial health insurance can effectively reduce household precautionary savings. Release consumption potential, stimulate domestic demand, and promote the rapid development of national economy on the basis of optimizing household consumption structure. The main innovation points and advantages of this paper are as follows: first, In the empirical process, the choice of tool variables and previous research has made a great breakthrough, the innovative participation of households to the understanding of commercial insurance, heads of household to pay attention to the medical information of the binary variables, so that the effectiveness of the tool variable group greatly improved. Therefore, more accurate effect prediction is obtained. Second, there are few literatures on commercial health insurance and household consumption relations in China, which fill the gap in the field of micro-level research. It provides theoretical support for the further development of commercial health insurance. Thirdly, it is easier to divide the consumption according to demand, and it is easier to divide the impact of commercial health insurance on different consumption expenditure. 4th, The agricultural and non-agricultural families were divided into two groups, and the analysis reflected the great difference of commercial health insurance to different groups.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6;F126.1

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