金融学院知识库

近年来，兰州市健康险市场蓬勃发展，而作为健康险中占比规模最大的子险种重疾险也逐渐得到重视。在环境污染、生活节奏加快、老龄化程度加深的兰州市，肿瘤与心血管疾病发病率逐年提升，致使居民在医疗保健支出的费用越来越高。以肿瘤为代表的重大疾病表现为范围广、程度深等特点，造成兰州市患者身体的严重损伤与医疗康复费的大额支出，这使得相当一部分患者因病返贫、因病致贫。重大疾病保险诞生的初衷就是为支付被保险人庞大的疾病治疗费以及后续身体恢复的康复费，是一种解决巨额治疗费用的有效的风险对冲方式。兰州市商业重疾险发展如此迅速，调查研究数据却相对较少。因此，有必要对兰州市商业重疾险市场进行更深入的分析，探究更细化的需求影响因素，针对发展过程中存在的问题提出对策建议，促进在地化的重疾险市场进一步发展。

本文选取兰州市5区3县作为样本地区，整理搜集了大量与商业重疾险需求相关的各项数据，对各区县居民进行抽样调查，将统计数据进行了资料整合与分析，然后运用SPSS.22对数据进行了建模研究分析。主要从以下几个方面展开：第一章，在绪论部分，介绍了研究背景和研究意义，国内外研究现状、大体的研究内容以及研究方法、研究思路等。第二章对重大疾病保险的相关基础概念与发展现状进行了梳理和简述，并将商业重疾险与其他健康保险险种的特征进行了对比分析。第三章第一小节主要从兰州市城镇与乡村居民卫生医疗支出情况进行数据分析，第二小节对兰州市商业重疾险保险的经营现状、产品轴、兰州市与西部主要副省级城市的商业重疾险市场发展三个方面进行了整理分析，第三小节选取兰州市M保险公司内部出险数据进行深入分析。第四章根据兰州市商业重疾险产品和市场情况进行了变量设计，分为基本共性因素假设与特定因素假设，并对各变量数据采集分类整理。第五章将所收集来的数据导入SPSS软件进行logistic二项回归实证分析，并对实证分析后结果所存在的问题等进行述评。第六章结合实证分析结果选取有显著性影响的变量，对兰州市商业重疾险市场发展提出了建议。

在我国，商业重疾险发展刚进入居民的视野，发展也才处于起步阶段，且西北地区商业重疾险文献资料几近空白。本文仅以兰州市为调研区域，通过分析兰州市的商业重疾险的市场影响因素来探寻发展中存在的突出问题，同时根据分析后的数据提出改进、完善的建议。

主要研究结论：对于兰州市商业重大疾病保险需求影响因素假设下。针对共性假设因素中的年龄、单位属性、自我健康认知、个人可支配收入、了解渠道在模型回归中显著，而性别、婚姻状况、教育经历、了解程度不具有显著影响。针对特定假设因素中的各问卷调查选项出现分化，改进建议、购买渠道、缴费方式、增值服务、投保倾向、保额区间呈显著状态、支出意愿变量的显著性不明显。

对应政策建议：重视年龄层次分化，满足差异需求；拓展了解购买渠道，深化居民认知；优化产品定价模式，出台优惠政策；加大法律监管力度，增强行业自律；创新产品服务供给，丰富选择方式。

In recent years, the health insurance market in Lanzhou has developed vigorously, and the serious disease insurance, as the sub-insurance with the largest proportion in the health insurance, has gradually received attention. In Lanzhou city with environmental pollution, quickening pace of life and deepening aging, the incidence of tumor and ca-rdiovascular diseases is increasing year by year, resulting in higher and higher medical care expenses of residents. Major diseases represented by tumors are characterized by wide range and deep degree, resulting in serious physical injuries and large expenditure of medical rehabilitation fees for Lanzhou patients, which makes a large number of patients return to poverty or become poor due to disease. The original intention of the birth of critical disease insurance is to pay the huge disease treatment cost of the insured and the rehabilitation cost of the subsequent physical recovery, which is an effective risk hedging way to solve the huge treatment cost. The commercial serious disease insurance in Lanzhou develops so rapidly, but the survey data are relatively few. Therefore, it is necessary to conduct a more in-depth analysis of Lanzhou's commercial serious disease insurance market, explore more detailed factors affecting demand, put forward countermeasures and suggestions for the problems existing in the development process, and promote the further development of the local serious disease insurance market.

This paper selects five districts and three counties of Lanzhou as sample areas, collates and collects a large number of data related to the demand for commercial serious disease insurance, conducts sampling survey on residents of each district and county, integrates and analyzes the statistical data, and then conducts modeling research and analysis on the data by using SPSS.22. It is mainly carried out from the following aspects: Chapter one, in the introduction, introduces the research background and significance, research status at home and abroad, general research content, research methods, research ideas and so on. In chapter two, the basic concepts and development status of critical illness insurance are summarized and summarized, and the characteristics of commercial critical illness insurance and other health insurance are compared and analyzed. The first section of the third chapter mainly analyzes the data of health and medical expenditure of urban and rural residents in Lanzhou. The second section sorts out and analyzes the operation status of commercial serious disease insurance in Lanzhou, the product axis, and the development of commercial serious disease insurance market in Lanzhou and major western sub-provincial cities. The third section selects the internal data of Lanzhou M Insurance Company for in-depth analysis. The fourth chapter designs variables according to the commercial serious disease insurance products and market conditions in Lanzhou, which are divided into basic common factor hypothesis and specific factor hypothesis, and collects and classifies the data of each variable. The fifth chapter imports the collected data into SPSS software for logistic binomial regression empirical analysis, and comments on the problems existing in the empirical analysis results. The sixth chapter selects the variables with significant influence based on the empirical analysis results and puts forward some suggestions for the development of Lanzhou commercial serious disease insurance market.

In China, the development of commercial serious disease insuranc-e has just entered the residents' vision, and the development is just i-n the initial stage, and the literature of commercial serious disease insurance in northwest China is almost blank. This paper only takes Lanzhou city as the research area, explores the prominent problems existing in the development by analyzing the market influencing factors of commercial serious disease insurance in Lanzhou city, and puts forwardsuggestions for improvement and improvement according to the analyzed data.

Main conclusions: Under the hypothesis of influencing factors of commercial critical disease insurance demand in Lanzhou city. Age, unit attribute, self-health cognition, personal disposable income and understanding channel of common hypothesis factors are significant in model regression, while gender, marital status, education experience and understanding level have no significant impact. The questionnaire optionsin specific hypothesis factors are differentiated, improvement suggestions, purchase channels, payment methods, value-added services, insurance tendency, insurance amount interval are significant, and the significance of expenditure intention variable is not obvious.

Corresponding policy suggestions: pay attention to the needs of age levels and meet the needs of differences; Expand purchasing channels and deepen residents' cognition; Optimize product pricing model and introduce preferential policies; Strengthen legal supervision, enhance industry self-discipline; We will innovate the supply of products and services and enrich the selection methods.