[1]孙 杨,张务伟.城乡居民商业健康保险购买行为及其影响因素研究 ——基于MOA模型和广义多层线性模型[J].卫生经济研究,2022,39(6):46-50.
　SUN Yang,ZHANG Wuwei.Research on the Purchase Behaviors and Its Related Factors of Commercial Health Insurance for Both Urban and Rural Residents ——Based on MOA Model and HGLM Model[J].Journal Press of Health Economics Research,2022,39(6):46-50.
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城乡居民商业健康保险购买行为及其影响因素研究
——基于MOA模型和广义多层线性模型
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
39
期数:
2022年6期
页码:
46-50
栏目:
医疗保障
出版日期:
2022-05-26

文章信息/Info

Title:
Research on the Purchase Behaviors and Its Related Factors of Commercial Health Insurance for Both Urban and Rural Residents
——Based on MOA Model and HGLM Model
作者:
孙 杨1; 张务伟2
1.山东农业大学公共管理学院，山东 泰安 271018
2.山东农业大学经济管理学院，山东 泰安 271018
Author(s):
SUN Yang;  ZHANG Wuwei
College of Public Administration, Shandong Agricultural University, Tai'an Shandong 271018, China
关键词:
商业健康保险; 购买行为; MOA模型; 广义多层线性模型
Keywords:
commercial health insurance;  purchase behavior;  MOA model;  HGLM model
分类号:
F842.6；C913.7
文献标志码:
A
摘要:
基于2017年中国综合社会调查等数据，利用MOA模型和HGLM模型，分析城乡居民商业健康保险的购买行为及其影响因素。结果显示：年龄与商业健康保险购买行为之间呈显著倒“U”型关系，婚姻状况对城镇居民的购买行为具有正向影响；性别对农村居民的购买行为具有正向影响；居民的购买动机和购买能力均显著正向影响购买行为，购买机会显著负向影响购买行为；地区经济发展水平与购买行为呈“U”型非线性关系。对此，应积极推动我国商业健康保险供给侧改革，满足不同群体的需求，缩小地区发展差异，实现社会医疗保险和商业健康保险的融合发展。
Abstract:
Using 2017 Chinese general social survey data (CGSS), this study adopted MOA model and HGLM model to analyze the purchase behavior of commercial health insurance and its influencing factors among both urban and rural residents. Results showed that the relationship between age and purchase behavior of commercial health insurance presented a "inverted U-shape". Marriage status showed a significant positive relation with purchase behavior. Gender was positively associated with purchase behavior among rural residents. Purchase motivation and purchase capability both had a positive effect on purchase behavior, while purchase opportunity had a negative one. Results also displayed that the association between regional economic development and purchase behavior showed a "U-shape" nonlinear relationship. It is suggested to promote commercial health insurance supply-side reform, so as to meet the needs of different groups, narrow regional development differences, and realize the integrated development of social medical insurance and commercial health insurance.

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更新日期/Last Update: 2022-05-26