社会互动、个体特征对商业健康保险参保行为的影响研究

发布时间：2018-03-28 08:12

本文选题：商业健康保险　切入点：社会互动　出处：《西北大学》2017年硕士论文

【摘要】：商业健康保险是基本医疗保障制度的重要补充,对于居民规避健康风险、获取医疗服务,提高健康水平具有重要作用。我国商业健康保险自1982年恢复以来,取得了飞速发展。然而,与寿险相比,与国际成熟保险市场相比,其发展仍处于较低水平。为促进商业健康保险的发展,2014年8月,国务院发布《关于加快发展现代保险服务业的若干意见》,鼓励健康保险向多样化发展。2015年8月,保监会发布《个人税收优惠型健康保险业务管理暂行办法》,提倡推进个人税收优惠型健康保险的发展。随着政策的驱动,商业健康保险供给市场积极活跃,但是需求方面,国民的参与度不高,需求不足。目前学者们已从经济角度对商业健康保险的需求影响因素展开了大量研究,但忽略了社会互动等非经济因素。本文则分析了社会互动对居民家庭商业健康保险参保行为的影响。首先梳理了社会互动对居民参保行为影响的相关文献。其次,界定了商业健康保险、社会互动、个体特征等核心概念,并对相关理论进行了详尽梳理。再次,从宏观和微观两个角度对我国商业健康保险的发展现状进行了定量分析。最后,利用2011年中国家庭金融调查(CHFS)数据,分别以居民家庭是否参保商业健康保险和商业健康险保费支出为被解释变量构建回归模型,实证分析社会互动、个体特征对商业健康保险参保行为的影响。本文的主要结论包括:我国商业健康保险飞速发展,但尚有很大空间,目前商业健康保险在经营主体结构、产品结构方面存在失衡现象;社会互动对居民家庭是否参保商业健康保险及其保费支出均有显著影响;社会互动对居民家庭参保行为的影响会因居民家庭的风险态度、乐观精神以及积极心态等个体特征而产生差异;居民家庭的个体特征均对其参保行为产生显著影响;居民家庭的年龄、性别、受教育程度、家庭收入、家庭总资产、否有社保、健康状况、城乡、区域等因素显著影响居民家庭的商业健康保险参保行为。
[Abstract]:Commercial health insurance is an important supplement to the basic medical security system, which plays an important role in avoiding health risks, obtaining medical services and improving health level. Rapid development has been achieved. However, compared with life insurance and compared with the international mature insurance market, its development is still low. In order to promote the development of commercial health insurance, in August 2014, The State Council has issued some opinions on speeding up the development of modern insurance services, encouraging the development of health insurance towards diversification. In August 2015, The Insurance Regulatory Commission has issued interim measures for the Administration of personal tax preferential Health Insurance, advocating the promotion of the development of individual tax preferential health insurance. With the drive of the policy, the commercial health insurance supply market is active, but on the demand side, The participation of the people is low and the demand is insufficient. At present, scholars have carried out a large number of studies on the factors affecting the demand for commercial health insurance from an economic point of view. However, the non-economic factors such as social interaction are ignored. This paper analyzes the influence of social interaction on the behavior of commercial health insurance of residents. Firstly, it combs the relevant literature on the influence of social interaction on the behavior of residents participating in insurance. Secondly, it analyzes the influence of social interaction on the behavior of residents participating in insurance. This paper defines the core concepts of commercial health insurance, social interaction and individual characteristics, and makes a detailed analysis of the relevant theories. Thirdly, the development status of commercial health insurance in China is quantitatively analyzed from the macro and micro perspectives. By using CHFS2011 data of China Household Finance Survey, a regression model is constructed to analyze the social interaction based on whether or not households are insured in commercial health insurance and commercial health insurance premium expenditure as explained variables. The main conclusions of this paper include: the rapid development of commercial health insurance in China, but there is still a lot of room for business health insurance in the main business structure, There is imbalance in product structure; social interaction has a significant impact on whether or not households participate in commercial health insurance and their premium expenditure; the impact of social interaction on the behavior of households participating in insurance will be due to the risk attitude of households. There are differences in individual characteristics such as optimism and positive attitude; the individual characteristics of the resident family have a significant impact on their participation in insurance; the age, sex, education level, family income, total assets of the household, whether there is social security, Health status, urban and rural areas, and other factors significantly affect household commercial health insurance insurance behavior.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.684

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