| 摘要: |
| 目的 分析我国商业健康保险需求的主要影响因素，促进我国健康服务业发展。方法 构建截面固定效应模型，运用2009年至2015年我国31 个省、市的面板数据进行实证分析。结果与结论 对商业健康保险需求影响较为显著的因素分别为城镇居民人均可支配收入、城镇职工基本医疗保险基金收入、老年人口抚养比和门诊人均费用。对于城镇职工基本医疗保险（城职保）人群来说，城职保对商业健康保险需求有显著的促进作用；对于城镇居民基本医疗保险（城居保）人群来说，收入影响更为突出。受教育水平对商业健康保险消费需求影响不大。 |
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| Empirical analysis on the influence factors of commercial health insurance demand based on panel model |
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| Abstract: |
| Objective To analyze the main influencing factors of China’’s commercial health insurance demand and promotes the development of China’’s health service industry. Methods Based on the panel data of 31 provinces and cities in China from 2009 to 2015, the model of cross-sectional fixed effect was constructed to analyze the main influencing factors of China’’s commercial health insurance demand. Result and Conclusion More significant influences on commercial health insurance demand factors are urban per capita disposable income, per capita urban employee basic medical insurance fund income, elderly population bring-up ratio and per capita outpatient expenses. For the basic medical insurance of urban workers , the city post guarantee has a significant effect on the demand of commercial health insurance; For the basic medical insurance of urban residents, the income impact is more prominent. The proportion of graduates of general institutions of higher learning has few influence commercial health insurance. |
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