金融学院知识库

近年来随着甘肃省经济社会的发展，物质生活极大丰富，人们的医疗保险意识逐步增强，健康保障认知不断加深。在甘肃省医疗资源的紧缺、人口老龄化和慢性疾病高发的社会背景下，以及政府加大对商业健康险的政策支持的政策背景下，商业健康保险凭借其期限灵活、保障全面、给付多样化的特点在众多人身险中脱颖而出，深受消费者青睐，保费收入节节攀高，业务规模持续壮大，市场占比也逐步提升。商业健康保险在甘肃省迎来了快速发展的时期，相较于其他保险，增长势头迅猛。

但甘肃省商业健康保险的发展仍面临专业化水平低、市场参与度不足等诸多问题，发展根基较浅，体系尚未成熟，缺乏相应的理论研究，尤其缺少实证研究成为了限制其发展的制约因素。

本文在整合健康保险需求理论等各类商业健康保险需求因素理论基础上，结合国内外相关文献，针对甘肃省商业健康保险发展现状选定若干影响因素。在对甘肃省商业健康保险市场现状进行分析的基础上，收集甘肃省内有关部门发布的保险统计年鉴数据、人口统计数据、经济统计数据等加以整合，在整合甘肃省14各地市数据的面板数据基础上构建模型，在建模后对收集的数据进行实证分析，找出影响甘肃省商业健康保险的需求的因素，剔除与影响甘肃省商业健康保险需求无关的因素，最终确定真正影响甘肃省商业健康需求的若干因素，得出了相关结论，丰富甘肃省商业健康保险领域的理论研究，并在此基础上提出对政府以及保险公司都具有现实意义且可操作的建议，通过各类建议对甘肃省商业健康保险的持续发展献策。

In recent years, by the economic development of Gansu Province, material life is greatly enriched, people's awareness of medical insurance is gradually strengthened, and their awareness of health security is deepened. With the shortage of medical resources, the aging population and the high incidence of chronic diseases in Gansu Province, and the government's increased policy support for commercial health insurance, it stands out among the public insurance by virtue of its flexible term, comprehensive protection and diversified payment, and has entered the fast lane of rapid development in Gansu. The business scale of commercial health insurance in Gansu Province has expanded, the market share has increased, the number of business entities has also increased, and the product field has been further expanded.

However, health insurance’s development in Gansu Province still faces many problems, such as low specialization level and insufficient market participation. The development foundation is shallow, the system is not mature, and the lack of corresponding theoretical research, especially empirical research, has become a restrictive factor restricting its development.

Based on the integration of various theories of commercial health insurance demand factors such as health insurance demand theory, combined with relevant literature at home and abroad, this paper selects some influencing factors for the development status of commercial health insurance in Gansu Province. Based on the analysis of the current situation of the commercial health insurance market in Gansu Province, the insurance statistical yearbook data, demographic data and economic statistical data released by relevant departments in Gansu Province are collected and integrated. Based on the panel data of 14 cities in Gansu Province, the model is constructed. After modeling, the collected data are empirically analyzed to find out the factors affecting the demand of commercial health insurance in Gansu Province, Eliminate the factors that have nothing to do with the demand of commercial health insurance in Gansu Province, finally determine some factors that really affect the demand of commercial health insurance in Gansu Province, draw relevant conclusions, enrich the theoretical research in the field of commercial health insurance in Gansu Province, and on this basis, put forward practical and operable suggestions for the government and insurance companies, and make suggestions for the sustainable development of commercial health insurance in Gansu Province through various suggestions.