發(fā)布時間：2018-02-13 11:03

  本文關(guān)鍵詞： 醫(yī)療保障 商業(yè)健康險 保險市場 實證分析　出處：《西南財經(jīng)大學》2014年碩士論文　論文類型：學位論文

【摘要】：“十一五”期間,我國的社會保障制度體系經(jīng)歷了自建國以來發(fā)展最為迅速的時期,在總體上,已經(jīng)形成了覆蓋城鄉(xiāng)居民社會保障體系的基本框架,居民的生活保障水平得到顯著提高。但從目前社會基本醫(yī)療體系改革的結(jié)果來看,效果不太明顯,“看病貴,看病難”、“醫(yī)患關(guān)系緊張”、“醫(yī)護人員積極性不高”三大現(xiàn)實問題仍存在于我國的現(xiàn)實生活中,仍是我國社會基本醫(yī)療體系改革的進程中最亟待解決的問題。 為解決上述問題,我們必須充分發(fā)揮商業(yè)健康險在我國社會醫(yī)療保障體系中的補充作用。本文基于對我國社會醫(yī)療體系改革的背景和商業(yè)健康險在我國發(fā)展狀況的思考,從理論和實證兩個角度,對影響我國商業(yè)健康險發(fā)展水平的因素進行了深入研究。期望通過此分析,準確把握促進商業(yè)健康險健康持續(xù)發(fā)展的關(guān)鍵點,為我國商業(yè)健康險的健康發(fā)展提供有益的借鑒。 本文的寫作主要分為六章,其研究框架和內(nèi)容如下： 前兩章為理論分析,作者首先闡述了本文的選題背景與意義,進而對國內(nèi)外相關(guān)學者的研究進行了分析和評述；然后本文對商業(yè)健康險的相關(guān)概念進行了明晰,并對商業(yè)健康險的消費理論進行了詳細分析。 第三章,基于我國保險市場總體發(fā)展情況,作者從保費收入增長、保險深度和保險密度三個角度對各主要險種的情況進行了對比分析,對我國商業(yè)健康險目前的發(fā)展情況和地位進行更清楚的描述。 第四章,闡述商業(yè)健康險自身的風險異質(zhì)性問題,并從理論和定量分析的角度對可能影響我國商業(yè)健康險發(fā)展水平的影響因素進行梳理分析,為后一章的實證分析提供對應(yīng)的理論和數(shù)據(jù)支撐。 第五章,通過前文的理論分析,利用相關(guān)數(shù)據(jù)建立回歸模型,對揭示我國商業(yè)健康險發(fā)展水平的三個主要指標進行實證研究,以準確刻畫各影響因素對各被解釋變量的影響方向和程度,并對實證結(jié)果進行討論。 第六章,基于前文所有分析,主要是結(jié)合本文理論和實證結(jié)果,對本文的研究進行總結(jié)概括,并有針對性的提出了促進我國商業(yè)健康險發(fā)展的相關(guān)建議。 根據(jù)本文研究發(fā)現(xiàn),經(jīng)濟因素是影響商業(yè)健康險發(fā)展水平的決定性因素,而人口因素則是商業(yè)健康險發(fā)展的基礎(chǔ),政府行為又往往能夠改善和引導商業(yè)健康險的發(fā)展,最重要的,商業(yè)健康險發(fā)展水平的影響因素并不完全獨立,這些因素總是相互作用,從而共同決定這一結(jié)果。 本文的創(chuàng)新之處在于：首先,從理論上,用信息不對稱理論、格羅斯曼健康需求模型以及前景理論三大理論對我國商業(yè)健康保險的發(fā)展經(jīng)營和消費者購買行為進行了系統(tǒng)分析；其次,在實證研究數(shù)據(jù)的選擇上,選取包含“十一五”,即我國社會保障體系發(fā)展最為迅速時期,以使研究的結(jié)果更真實的表明影響我國商業(yè)健康險發(fā)展水平最顯著的因素；最后,在被解釋變量的選擇以及研究方法上,用商業(yè)健康保險深度、商業(yè)健康保險密度以及商業(yè)健康保險保費收入占衛(wèi)生總費用的比重三個指標作為被解釋變量,力求分析能夠更加全面客觀。
[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.

【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.684

【參考文獻】

相關(guān)期刊論文 前5條

1 陳滔;謝洋;;影響我國商業(yè)健康保險發(fā)展的內(nèi)因及其對策[J];保險研究;2008年11期

2 彭曉博;孫祁祥;;中國農(nóng)民健康保險需求影響因素的灰色關(guān)聯(lián)分析[J];保險研究;2012年10期

3 蔡飛;;商業(yè)健康保險的SWOT分析[J];時代金融;2011年30期

4 李白茹;;我國商業(yè)健康保險的需求影響因素分析[J];保險職業(yè)學院學報;2011年02期

5 劉芳芳;王秀華;卞虎;;我國商業(yè)健康保險發(fā)展影響因素實證分析[J];中國衛(wèi)生政策研究;2010年09期

，

本文編號：1508009