金融学院知识库

党的二十大报告指出，党和国家要增进民生福祉、提高人民生活品质、让人民群众获得感、安全感、幸福感更加充实、更有保障、更可持续。幸福感已经成为评价人民美好生活的重要指标，如何提高居民幸福感已经是党和国家亟需解决的重要民生问题。居民幸福感是建立在安全感和获得感的基础之上的，提高居民的安全感和获得感，居民的幸福感也会提高。健全覆盖全民、统筹城乡、公平统一、安全规范、可持续的多层次社会保障体系可以提高应对风险的能力，进而可以提高居民的安全感、获得感、幸福感。商业健康保险作为我国社会保障体系的重要组成部分，可以弥补社会保险保障范围低、保障水平有限的问题，起着不可或缺的补充作用。基于此，本文从商业健康保险角度出发，探讨商业健康保险对居民幸福感的影响，具有重要的现实意义。

为了研究商业健康保险对居民幸福感的影响，本文首先从理论层面进行了分析。梳理了国内外相关研献，界定了相关概念，阐述了研究的理论基础，并分析了商业健康保险与居民幸福感的发展现状，我们发现：我国商业健康保险发展仍不完善，居民参与率较低；我国居民幸福感提升缓慢，在世界上仍处于中等水平。接着，在此基础上，进行了实证分析。本文选用2019年中国家庭金融调查数据，采用居民幸福感作为被解释变量，以商业健康保险作为自变量，借鉴已有文献，引入个人基本特征、家庭层面以及社会层面的因素作为控制变量，构建有序probit和OLS模型进行实证分析。本文的实证分析如下：首先，使用有序probit模型和OLS模型做了基准回归，然后验证了收入水平在商业健康保险促进居民幸福感中的作用，最后进行了异质性分析。此外，为了解决选择偏差与遗漏变量问题，本文用倾向得分匹配方法进行了稳定性检验，提高结果的可靠性。

通过理论分析和实证分析，本文研究发现：第一，商业健康保险对居民幸福感有显著的正向影响。第二，商业健康保险对居民幸福感的影响具有异质性。居民的个人基本特征、家庭特征、社会特征，都会对其购买商业健康保险提升幸福感产生影响。不同群体特征的居民购买商业健康保险，对于居民幸福感的提升不同。本文主要探讨了年龄、社会保障、城乡和婚姻状况差异，我们得出，对于青年人、中年人、社会保障低、农村地区、已婚居民居民，商业健康保险对其幸福感的提升更为明显。第三，进一步分析发现，商业健康保险可以有效提升居民的收入水平。居民购买商业健康保险通过影响其收入水平进而促进幸福感提升。因此，为了充分发挥商业健康保险促进居民幸福感的作用，应加强对商业健康保险的政策支持，提高居民保险意识，推动商业健康保险绿色、健康、可持续发展，进而促进居民幸福感提升。

Report to the 20th CPC National Congress of the Party pointed out that the Party and the state should enhance people's well-being, improve people's quality of life, and make people's sense of security and happiness more substantial, secure and sustainable. Happiness has become an important index to evaluate people's better life, and how to improve residents' happiness has become an important livelihood issue that the party and the country urgently need to solve. The residents' sense of happiness is based on the sense of security and access. If the residents' sense of security and access is improved, the residents' sense of happiness will also be improved. A sound multi-level social security system that covers the whole people, integrates urban and rural areas, is fair and unified, safe and standardized, and sustainable can improve the ability to cope with risks, and thus can improve residents' sense of security, access, and happiness. As an important part of China's social security system, commercial health insurance can make up for the low coverage and limited level of social security, playing an indispensable complementary role.Based on this, this paper discusses the influence of commercial health insurance on residents' happiness from the perspective of commercial health insurance, which has important practical significance.

In order to study the impact of commercial health insurance on residents' well-being, this paper first analyzes it from the theoretical level. After combing the relevant research at home and abroad, defining the relevant concepts, elaborating the theoretical basis of the research, and analyzing the development status of commercial health insurance and residents' happiness, we found that: the development of commercial health insurance in China is still imperfect, and residents' participation rate is low; The happiness of Chinese residents has been slowly improved, which is still in the middle level in the world. Then, on this basis, an empirical analysis is carried out. This paper selects the data of 2019 China's household finance survey, uses residents' happiness as the explained variable, takes commercial health insurance as the independent variable, uses the existing literature for reference, introduces basic personal characteristics, family level and social level factors as the control variables, and constructs ordered probit and OLS models for empirical analysis. The empirical analysis of this paper is as follows: First, we use the ordered probit model and the OLS model to make a benchmark regression, and then verify the role of income level in the promotion of residents' well-being by commercial health insurance. Finally, we conduct a heterogeneity analysis. In addition, In order to solve the problem of selection bias and missing variables, this paper uses the tendency score matching method to test the robustness to improve the reliability of the results.

Through theoretical analysis and empirical analysis, this study finds that: first, commercial health insurance has a significant positive impact on residents' well-being. Second, the impact of commercial health insurance on residents' well-being is heterogeneous. The basic personal characteristics, family characteristics and social characteristics of residents will have an impact on their purchase of commercial health insurance to enhance their sense of happiness. The purchase of commercial health insurance by residents of different groups has different effects on the improvement of residents' happiness. This paper mainly discusses age, social security ,urban-rural and marital status differences. We conclude that for young people, middle-aged people, people with low social security, rural and Married residents, commercial health insurance has a more obvious effect on their happiness. Third, further analysis found that commercial health insurance can effectively improve the  income level of residents. Residents' purchase of commercial health insurance can promote their happiness by affecting their income level. Therefore, in order to give full play to the role of commercial health insurance in promoting residents' happiness, we should strengthen policy support for commercial health insurance, improve residents' insurance awareness, promote green, healthy and sustainable development of commercial health insurance, and then promote residents' happiness.