School of Insurance and Economics, University of International Business and Economics, Beijing 100029, China.
Institute of Chinese Financial Studies, Southwestern University of Finance and Economics, Chengdu 610074, China.
Int J Environ Res Public Health. 2023 Mar 15;20(6):5178. doi: 10.3390/ijerph20065178.
In the process of comprehensively promoting the construction of a multi-level medical security system in China, it is very important to clarify the impact of commercial health insurance. In order to better promote the development of commercial health insurance, we explore the effect of commercial health insurance development on economic efficiency. Theoretical analysis shows that, in addition to providing health risk protection for residents, commercial health insurance can also promote the coordinated development of the health industry chain, promote risk reduction, accumulate capital, and contribute to high-quality economic development. Empirically, this study indexes a commercial health insurance development index that is more in line with China's development reality. In addition, this study compiles the economic efficiency index from the three dimensions of economic development basis, social benefits and industrial changes. We measure the commercial health insurance development index and economic efficiency index in 31 regions from 2007 to 2019, and further econometric analysis is carried out on this basis. It is found that the development of commercial health insurance can promote economic efficiency, and this result is robust. Meanwhile, the impact of commercial health insurance on economic efficiency is restricted by the economic environment itself, and the more developed the economy is, the more obvious this effect will be. Therefore, the development of commercial health insurance will significantly benefit the construction of China's multi-level medical security system and promote regional economic efficiency.
在全面推进中国多层次医疗保障体系建设的过程中，明确商业健康保险的影响非常重要。为了更好地促进商业健康保险的发展，我们探讨了商业健康保险发展对经济效益的影响。理论分析表明，商业健康保险除了为居民提供健康风险保障外，还可以促进健康产业链的协调发展，推动风险减量，积累资金，助力高质量经济发展。在实证方面，本研究构建了一个更符合中国发展实际的商业健康保险发展指数。此外，本研究还从经济发展基础、社会效益和产业变化三个维度编制了经济效益指数。我们测算了 2007 年至 2019 年 31 个地区的商业健康保险发展指数和经济效益指数，并在此基础上进一步进行了计量经济学分析。结果表明，商业健康保险的发展可以促进经济效益，这一结果是稳健的。同时，商业健康保险对经济效益的影响受到经济环境本身的制约，经济越发达，这种效应越明显。因此，商业健康保险的发展将显著有利于中国多层次医疗保障体系的建设，促进区域经济效益的提高。
Zotero 插件
