[1]王红波,孙向谦.农村居民参加商业医疗保险的影响因素分析——基于CGSS(2013)的实证分析[J].卫生经济研究,2018,(08):15-18.
　WANG Hong-bo,SUN Xiang-qian.Analysis of Influencing Factors of Rural Residents' Participation in Commercial Medical Insurance——An empirical analysis based on CGSS (2013)[J].Journal Press of Health Economics Research,2018,(08):15-18.
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农村居民参加商业医疗保险的影响因素分析——基于CGSS(2013)的实证分析
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
期数:
2018年08期
页码:
15-18
栏目:
医保天地
出版日期:
2018-08-01

文章信息/Info

Title:
Analysis of Influencing Factors of Rural Residents' Participation in Commercial Medical Insurance——An empirical analysis based on CGSS (2013)
作者:
王红波1; 孙向谦1
1.山西医科大学管理学院，山西 晋中 030600
Author(s):
WANG Hong-bo;  SUN Xiang-qian
School of Management, Shanxi Medical University, Jinzhong Shanxi 030600，China
关键词:
农村居民; 商业医疗保险; 参保选择; 影响因素
Keywords:
Rural residents;  Commercial medical insurance;  Participation choice;  Influencing factors
分类号:
F840.684
文献标志码:
A
摘要:
基于2013年中国社会综合调查数据（CGSS 2013），应用二元Logistic模型对农村居民参加商业医疗保险的影响因素进行研究。结果显示：“出生年份”、“教育程度”对参保选择有显著负向影响；“年家庭总收入”、“是否有工作”、“参加基本医疗保险情况”对参保选择有显著正向影响，是参保选择的主要影响因素，其中“是否有工作”影响程度最大；而“性别”、“婚姻状况”、“自评健康状况”、“是否参加基本养老保险”对参保选择无显著影响。对此，应改善健康教育方式，拓宽农村居民就业渠道，完善农村社会保障制度，以促进商业医疗保险在农村的发展。
Abstract:
Based on the 2013 China Social Comprehensive Survey Data (CGSS 2013), the binary logistic model is applied to study the affecting factors of rural residents' participation in commercial medical insurance. The results show that "years of birth" and "educational level" have a significant negative impact on the choice of insurance; "total family income annually", "whether is working", "participation in basic medical insurance" has a significant positive impact on the choice of insurance. Among them, "whether is working" has the greatest impact; while "gender", "marital status", "self-evaluation health status" and "whether to participate in basic old-age insurance" have no impact on the choice of insurance. In this regard, we should improve the way of health education by broadening the employment channels of rural residents and improving the rural social security system to promote the development of commercial medical insurance in rural areas.

参考文献/References:

[1] 沈勤，张虹.城镇居民补充医疗保险需求影响因素分析[J].上海工程技术大学学报，2014（2）:170-174.
[2] 许燕.健康养老视角下商业健康保险需求的影响因素分析——以辽宁省数据为例[J].保险研究,2016(2):110-113.
[3] 李亚国,宋文俊.对江西省商业健康保险需求的影响因素分析——基于岭回归与C-D函数[J].金融与经济,2017(6):83-87.
[4] 李亚国.基于VAR模型的我国商业健康保险需求的影响因素研究[J].经济论坛,2017(7):118-122.
[5] 朱铭来,尚颖.商业健康保险需求理论与实证研究综述[J].中国卫生政策研究,2011(11):58-65.
[6] 吴传俭,朱友艳,丁雨.商业健康保险在健康中国建设中的战略地位与激励政策[J].中国医疗保险,2017(3):69-72.

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更新日期/Last Update: 2018-07-30