The Influencing Factor Analysis of Commercial Health Insurance in Chongqing
|Keywords||Chongqing Commercial health insurance Influencing factor Empirical analysis|
In recent years, the central government of china paid close attention on the livelihood issues , and the health as the basic requirements of the livelihood issues also get much attention;From the project of "five Chongqing" to " people’s livelihood project", the Chongqing government accords great importance to the health of the population, and puts forward to improve the people’s health level and the security level , to improve the Chongqing’s major health index in the lead in the west ; At the same time, April 7, 2009 ,‘the project of the health system reform of china’was introduced which was seen as the sign of the new health system reform ,and it emphasized that we should develop the commercial health insurance actively. The project encouraged the enterprise and individual participate in health insurance to fulfill people’s demand. The attention on the residents’health from the central government and the Chongqing government brought new opportunities for commercial health insurance, and the new health reform provides operation ways to the development of commercial health insurance .But the situation of commercial health insurance of Chongqing in present is undesirable. In 2009, the income of commercial health insurance in Chongqing accounted for only 5% percent of the income of life insurance, and the percentage on the insurance market in Chongqing is surprisingly small. The developing market can’t assume the proposed expectations from the new health reform.insurance, and analyzed the differs between the health insurance and the accident injury insurance; Finally, I compared the commercial health insurance and the social medical insurance, and pointed out the relationship between them.Chapter 3. The influencing factor analysis of commercial health insurance. In chapter 3, base on the angle of economics, I discussed the influencing factor of health insurance from supply and demand respectively. On the one hand, I discussed the supply factor from the insurance company, external policies and the medical market; On the other hand, I analyzed the demand factors from the population, economy, society, and insurance consciousness.Chapter 4.The analysis of present situation of influence factors of the commercial health insurance in Chongqing. Based on the analyze of chapter 3 and combined the actual situation in Chongqing, this section summarized the commercial health insurance’s present situation in Chongqing from the overall situation, supply and demand.Chapter 5. The empirical analysis on the influence factors of commercial health insurance in Chongqing. Base on chapter 4,and according to the data’s representative, targeted and availability. I selected 8 index of Chongqing (aging degree, urban per capita disposable income, medical and health spending accounts for the proportion of fiscal expenditure, the urbanization level, deep of health insurance, GDP and CPI) as explanatory variables, and selected the commercial health insurance income of Chongqing as be explained variables. I discussed the relationship between the explanatory variables to the explained variables by eviews6.0, and analyzed the results of model test.Chapter 6 .Suggestions. This chapter pointed out the suggestions from insurance companies, government and consumers separately.