中国健康保险需求决定因素分析——以2006年上海保险市场为例被引量：29

下载PDF

导出

摘要作为社会保障体系建设的重要补充部分,近几年来商业健康保险在中国有了较大的发展。本研究显示家庭生命周期、教育、家庭收入、社会保险是当前影响健康保险需求的最重要原因,而性别、个人收入对健康保险消费的并影响不大,逆向选择现象也不明显。本研究也发现,不同收入群体对健康保险的需求有着不同的态度,其决定因素也有着较大的差别。本研究还发现,商业健康保险已在社会保障体系中发挥着重要的补充作用。

作者徐美芳

机构地区上海社会科学院经济研究所

出处《世界经济文汇》北大核心 2007年第5期30-40,共11页 World Economic Papers

关键词需求健康保险决定因素

分类号 F842.6 [经济管理—保险]

引文网络
相关文献

参考文献15

1Blau, D, M. and D. B. Gilleskie, 2001, "Retiree Health Insurance and the Labor Force Behavior of Older Men in the 1990s, " Review of Economics and Statistics, 83( 1 ) , 64-80.
2Browne, M. J. and K. Kim, 1993, "An International Analysis of Life Insurance Demand," The Journal of Risk and Insurance, 60(4), 616-634.
3Brown, M. J, 1992, "Evidence of Adverse Selection in the Individual Health Insurance Market," T]Te Journal of Risk and Insurance, 59( 1 ), 13-33.
4Hammond, J. D., D. B. Houston and E. R. Melander,1967,“Determinants of Household Life Insurance Premium Expenditures: an Empirical Investigation,” The Journal of Risk and Insurance, 34 (3), 397-408.
5Klarman, H. E., 1957, "Medical Care Costs and Voluntary Health Insurance," The Journal of Insurance, 24( 1 ) , 23-41.
6Liuguoen(刘国恩),2003,"Urbanization and Health Care in Rural China, "Contemporary Economic Policy, 21 ( 1 ), 11-24.
7Madrian, B. C., 1994, “Employment-Based Health Insurance and Job Mobility: Is There Evidence of Job-Lock,” The Quarterly Journal of Economics, 109 ( 1 ) , 27-54.
8Thomasson, M. A. ,2003, “The Importance of Group Coverage : How Tax Policy Shaped U. S Health Insurance,” The American Economic Review, 93(4), 1373-1384.
9陈之楚,刘晓敬.我国寿险需求决定因素分析[J].保险研究,2004(6):7-10. 被引量：44
10董存发.影响商业健康保险企业制度安排的主要因素[J].保险研究,2006(8):48-51. 被引量：1

二级参考文献38

1刘建红.美国的保险税收及其启示[J].上海财税,2003(6):44-46. 被引量：2
2蔡莉莉,黄斌.发达国家与新兴市场人寿保险税收政策之比较[J].统计与决策,2005,21(06X):101-103. 被引量：3
3张伟,郭金龙,张许颖,邱长溶.中国保险业发展的影响因素及地区差异分析[J].数量经济技术经济研究,2005,22(7):108-117. 被引量：90
4林宝清.保险需求与GNP增长同步相关验证[J].发展研究,1996,13(7):15-16. 被引量：20
5林毅夫.论制度和制度变迁.中国:发展和改革,1988,(4).
6Yaari, M. E. Uncertain Lifetime,Life Insurance, and the Theory of the Consumer[J]. Review of Economic Studies, 1965, (32): 137-150.
7Pissarides, C. A. The Wealth-Age Relation with Life Insurance[J]. Economica,1980, (47): 451-457.
8Lewis,F. D. Dependents and the Demand for Life Insurance[J]. American Economic Review, 1989, (79): 52-67.
9Campbell, R. A. The Demand for Life Insurance: An Application of the Economics of Uncertainty[J]. Journal of Finance, 1980, (35):1155-1172.
10Hammond,J. D. ,B. D. Houston, R. E. Melander. Determinants of Household Life Insurance Premium Expenditures: An Empirical Investigation[J]. Journal of Risk and Insurance, 1967, (34):397-408.