商业医疗保险参保的供给影响因素研究——基于CGSS2013数据的实证分析

运用Prebit模型分析CGSS2013家户微观数据和保险供给宏观数据,探究影响商业医疗保险参保的因素,发现供给不足制约居民参保,对西部、中部和农村地区影响显著。家庭财富不足、保险知识缺乏、基本医疗保险也影响居民参保。主张推动保险供给侧结构性改革,保险公司增设分支机构,补齐供给短板。政府增加农民收入,普及保险知识,提供有限保障。

Research on Supply Influencing Factors of Commercial Medical Insurance Participation——Empirical Analysis Based on the Data from CGSS2013

The Probit model was used to analyze the data from 2013 Chinese General Social Survey(CGSS2013)to explore factors affecting the participation of commercial medical insurance.It was found that the lack of supply restricted the increase of coverage,especially for the western,central and rural areas.In addition,insufficient family wealth,lack of insurance knowledge,and basic medical insurance also affected residents to participate in commercial medical insurance.In order to promote the supply-side structural reform of insurance,Insurance companies should focus on the establishment of insurance branches in the western,central and rural areas to fill the undersupply of insurance,the government should increase rural incomes,popularize insurance knowledge,and provide residents with limited basic medical security.