中国商业健康保险与社会医疗保险是互补还是替代——基于省际面板数据与门槛效应的分析

江西财经大学学报 ›› 2020, Vol. 0 ›› Issue (3): 52-60.

中国商业健康保险与社会医疗保险是互补还是替代——基于省际面板数据与门槛效应的分析

谢明明, 李琴英

郑州大学商学院,河南郑州 450001

收稿日期:2019-08-12 修回日期:2019-11-20 出版日期:2020-05-25 发布日期:2020-12-14
通讯作者: 谢明明,郑州大学讲师,经济学博士,主要从事卫生经济与医疗保障研究,联系方式xmm@zzu.edu.cn。
作者简介:李琴英,郑州大学教授,主要从事保险理论与政策研究。
基金资助:
教育部人文社会科学研究青年基金项目“基于精准化解灾难性卫生支出的医疗保障补偿机制优化研究”(19YJC840048);河南省教育厅人文社会科学研究项目“河南省大病补充医疗保险精准扶贫效果研究”(2019-ZZJH-430)

Is China's Commercial Health Insurance Complementary or Substitutive to Social Medical Insurance? An Analysis Based on Inter-Provincial Panel Data and Threshold Effect

XIE Ming-ming, LI Qin-ying

Zhengzhou University,Zhengzhou 450001,China

Received:2019-08-12 Revised:2019-11-20 Online:2020-05-25 Published:2020-12-14

摘要/Abstract

摘要： 基于我国7省份2009—2017年面板数据,采用面板固定效应模型和面板门槛模型考察了不同收入水平下社会医疗保险与商业健康保险之间关系的差异性。研究结果表明:社会医疗保险的发展总体上促进了商业健康保险的发展,但二者属于非线性的互补促进关系,并且这种促进作用随着居民的收入水平提升而越来越大,但在居民人均收入较低时,这种促进作用是不显著的。因此,纵向来看,随着我国经济水平的发展,社会医疗保险的完善将全面带动商业健康保险的发展;横向来看,我国城乡居民收入差距较大,医疗保障制度侧重点应针对农村和城镇居民有所差异。商业保险公司应从宏观和微观两个维度,在不同的经济阶段、针对不同收入水平人群设计和基本医保相衔接的商业健康保险产品,满足人们多样化医疗保障需求。

关键词: 商业健康保险, 社会医疗保险, 面板门槛模型

Abstract: Based on the provincial panel data of 7 provinces in China from 2009 to 2017,this paper employs panel fixed effect model and panel threshold model to investigate the differences in the relationship between social medical insurance and commercial health insurance on different income levels.The results of the study show that the development of social medical insurance has promoted the development of commercial health insurance in general,but the relationship between the two is non-linear complementary and promotive,and this promotive effect is growing with the increase of residents’income level.However,when the per capita income of residents is lower,this promotive effect is not significant.Therefore,vertically,with the development of China’s economy,the improvement of social medical insurance will comprehensively promote the development of commercial health insurance.Horizontally,there is a big income gap between urban and rural residents in China;the focus of medical security system should have some differences towards rural and urban residents.The commercial insurance companies should design commercial health insurance products for people at different income levels from both macro and micro perspectives to meet people’s diversified medical security needs at different economic stages,which will also be connected with the basic medical insurance.

Key words: commercial health insurance, social medical insurance, panel threshold model

中图分类号:

F840.61

谢明明, 李琴英. 中国商业健康保险与社会医疗保险是互补还是替代——基于省际面板数据与门槛效应的分析[J]. 江西财经大学学报, 2020, 0(3): 52-60.

XIE Ming-ming, LI Qin-ying. Is China's Commercial Health Insurance Complementary or Substitutive to Social Medical Insurance? An Analysis Based on Inter-Provincial Panel Data and Threshold Effect[J]. Journal of Jiangxi University of Finance and Economics, 2020, 0(3): 52-60.

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