| 引用本文：赵明清, 张继文.我国城镇商业健康保险区域发展非均衡及影响因素分析[J].中国卫生政策研究,2018,11(8):69-74 |
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| 我国城镇商业健康保险区域发展非均衡及影响因素分析 |
| 投稿时间：2017-06-03 修订日期：2018-01-19 PDF全文浏览 HTML全文浏览 |
| 赵明清1, 张继文2 |
1. 山东科技大学数学与系统科学学院 山东青岛 266590;
2. 国泰君安证券股份有限公司青岛松龄路证券营业部 山东青岛 266000 |
| 摘要:选取2007—2016年我国东中西部地区的城镇商业健康保险收入和支出数据，利用保险密度、保险深度和Theil指数分析我国城镇商业健康保险的发展速度和非均衡程度，结果表明：三个地区城镇商业健康保险都处于增长状态，且发展速度由东向西依次递减；东部地区城镇商业健康保险非均衡程度最大，其次是西部地区，中部地区最小。利用灰色关联分析法从风险认知程度、人均地区生产总值、收入和社会保险支出等方面分别对东中西部的商业健康保险发展的影响因素进行分析，结果发现，收入和人均地区生产总值对三地区的影响程度都很大，社会保险支出对东部地区的影响比风险认知度大，而风险认知程度则对中西部地区的影响较东部地区明显。最后，针对分析结果对城镇商业健康保险的发展提出几点建议。 |
| 关键词:健康保险 非均衡 Theil指数 灰色关联分析 |
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| Unbalanced regional development of urban commercial health insurance and its influencing factors in China |
| ZHAO Ming-qing1, ZHANG Ji-wen2 |
1. College of Mathematics and Systems Science, Shandong University of Science and Technology, Qingdao Shandong 266590, China;
2. GUO Tao Jun An Securities Co. LID, Qingdao Songling Road Branch, Qingdao Shandong 266000, China |
| Abstract:This paper selected the data of urban commercial health insurance income and expenditure in the eastern and western regions of China from 2007 to 2016. The insurance density, insurance depth and the Theil index are used to analyze the development speed and non-balanced degree of urban commercial health insurance in China. The results showed that the regional urban commercial health insurance is in a state of growth and the development speed is undergoing a decreasing trend from east to west. The urban commercial health insurance showed the most unbalance degree in the eastern region, followed by the western region, and the case was minimal in the central. From the perspective of risk perception, per capital GDP, income and social insurance, the grey correlation analysis method was adopted to analyze the influencing factors of commercial health insurance development in the Eastern, Central and Western regions. Analysis results showed that both income and per capital GDP had a very large impact on the three regions. The impact of social insurance expenditure was greater than that of the risk perception in the eastern regions, whereas the degree of risk perception was more obvious in the western region than in the eastern. Finally, based on the results of the conducted analysis, some suggestions on the development of urban commercial health insurance were put forward. |
| Key words:Health Insurance Non-balance Theil Index Grey correlation analysis |
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