중국 기본의료보험과 민간건강보험 발전 메커니즘에 관한 연구
A Study on the Development Mechanism between Basic Medical Insurance and Commercial Health Insurance in China
0
조회
0
다운로드
0
인용
0
참고문헌
키워드
초록
Background: With the rapid development of China's social security system and the increase in residents' medical needs, the topic of the development mechanism of basic medical insurance (BMI) and commercial health insurance (CHI) has gradually attracted the attention of scholars. Methods: This study has adopted the national statistical data of 31 provinces in China from 2013 to 2018 to conduct multiple regression analysis on the influencing factors of basic medical insurance, population, economy, cognition and medical expenditure. The development level of Insurance is empirically analyzed through insurance density and insurance depth which are widely used in the world. Results: The empirical results of this study have fully demonstrated that China's CHI has played a complementary role to BMI. Besides, the higher the dependency ratio of the regional population, the higher the insurance depth is. Conclusion: This study believes that for the sustainable development of CHI, as a supplement to BMI. With the aging of China and the introduction of the three-child policy, we can predict that the demand for CHI will increase rapidly as the dependency ratio of the population increases in the future.
Abstract
Background: With the rapid development of China's social security system and the increase in residents' medical needs, the topic of the development mechanism of basic medical insurance (BMI) and commercial health insurance (CHI) has gradually attracted the attention of scholars. Methods: This study has adopted the national statistical data of 31 provinces in China from 2013 to 2018 to conduct multiple regression analysis on the influencing factors of basic medical insurance, population, economy, cognition and medical expenditure. The development level of Insurance is empirically analyzed through insurance density and insurance depth which are widely used in the world. Results: The empirical results of this study have fully demonstrated that China's CHI has played a complementary role to BMI. Besides, the higher the dependency ratio of the regional population, the higher the insurance depth is. Conclusion: This study believes that for the sustainable development of CHI, as a supplement to BMI. With the aging of China and the introduction of the three-child policy, we can predict that the demand for CHI will increase rapidly as the dependency ratio of the population increases in the future.
참고문헌 (31)
- 권기헌, "건강보험보장성 강화정책과 민간보험지출액의 관계분석: 한국의료패널자료를 활용한 DID 분석의 적용", GRI연구논총, 16(2), pp.265~294 (2014), 재단법인 경기연구원
- 김관옥, "국민건강보험 보장성 강화정책이 가계민간의료보험료에 미친 영향", 보건경제와 정책연구, 22(2), pp.119~141 (2016), 한국보건경제정책학회
- 박경돈, "의료보장성과 민간의료보험 구입의 구축효과에 대한 연구: 노인층을 대상으로", 한국행정연구, 23(4), pp.145~171 (2014), 한국행정연구원[DOI]
- 박정호, "가구주의 특성과 국민건강보험의 보장성인식이 민간의료보험의 가입에미치는 영향", 한국사회정책, 22(1), pp.217~241 (2015), 한국사회정책학회[DOI]
- 국민건강보험과 민간의료보험의 합리적 발전방안, "신현웅", 한국보건사회연구원, ~ (2015)
- 정기택, "발제2 : 국민중심의 공·사건강보험 연계와 정책과제", 한국보건행정학회 학술대회논문집, pp.1~41 (2019)
- 13차 5개년 계획 중 의료 및보건 시스템 개혁 심화 계획을 인쇄 배포하는 국무원고시, "중화 인민 공화국 국무원", 중화인민공화국국무원, ~ (2016)
- 보건 서비스 산업 발전 촉진에관한 국무원의 여러 의견, "중화인민공화국 국무원", 중화인민공화국국무원, ~ (2013)
- 상업 건강 보험 발전 가속화에관한 국무원의 여러 의견, "중화인민공화국 국무원", 중화인민공화국국무원, ~ (2014)
- 현대 보험 서비스 산업 발전을가속화하기 위한 국무원의 여러 의견, "중화인민공화국 국무원", 중화인민공화국국무원, ~ (2014)
- 도시와 농촌 주민을 위한 기본의료 보험 시스템 통합에 대한 국무원의 의견, "중화인민공화국 국무원", 중화인민공화국국무원, ~ (2016)
- 국무원 고령화 원인 발전 및 고령자 요양 제도 건설을 위한 "13차 5개년 계획" 인쇄및 배포에 관한 고시, "중화인민공화국 국무원", 중화인민공화국국무원, ~ (2017)
- 의료보장제도 개혁 심화에 관한 국무원의 의견, "중화인민공화국 국무원", 중화인민공화국국무원, ~ (2020)
- 최기춘, "국민건강보험과 민간의료보험의 역할 정립을 위한 쟁점", 보건복지포럼, 2017(6), pp.30~42 (2017)
- Asenso-Okyere, W. K., "Willingness to pay for health insurance in a developing economy. A pilot study of the informal sector of Ghana using contingent valuation", Health policy, 42(3), pp.223~237 (1997)
- Browne, M. J., "An international analysis of life insurance demand", Journal of Risk and Insurance, pp.616~634 (1993)
- Huang, X., "Four worlds of welfare : understanding subnational variation in Chinese social health insurance", The China Quarterly, pp.449~474 (2015)
- Jiang L., "A Research on the Relationship Between Public Medical Insurance and Private Health Insurance in China - Analysis Based on Spatial Durbin Model", Journal of Financial Development Research, pp.68~75 (2019)
- Jin, Y., "Determinants of health insurance coverage among people aged 45 and over in China : Who buys public, private and multiple insurance", PLoS One, 11(8), pp.e0161774~ (2016)
- Liu, F., "Empirical analysis of influence factors on the commercial health insurance's development", Chinese Journal of Health Policy, pp.38~44 (2010)
- Liu, H., "Research on Chinese Residents’ Medical Insurance Purchase Behavior----Based on the Perspective of Commercial Health Insurance", China Economic Quarterly, 11(4), pp.1525~1548 (2012)
- Liu, H., "The expansion of public health insurance and the demand for private health insurance in rural China", China Economic Review, 22(1), pp.28~41 (2011)
- Liu, S., "The Influence of Medical Insurance on Private Health Insurance Suppressed or Promoted", China Soft Science, pp.172~181 (2020)
- Ni, L., "Analysis of Influencing Factors of Commercial Health Insurance Demand Based on Cross-section Fixed Effects Model", Chinese Health Economics, 37(3), pp.27~30 (2018)
- Peng, H., "Does the Expansion of Social Health Insurance in China Promote the Development of Private Health Insurance?", Financial Research, pp.97~110 (2017)
- Wang, l., "The analysis of effective demand on Health insurance", Technology Economic And Managemengt Research, 2009(1), pp.100~102 (2009)
- Wang, X., "Social Health Insurance, Market Structure and Commercial Health Insurance in China", Insurance Studies, pp.35~41 (2011)
- Xu, M., "Analysis on the Determinants of China's Health Insurance Demand——Taking the Shanghai Insurance Market in 2006 as an Example", World Economic Papers, pp.30~40 (2007)
- Xu, Y., "An Analysis of the Influencing Factors of Commercial Health Insurance Demand from the Perspective of Healthy Pension——Taking the data of Liaoning Province as an example", Insurance Studies, pp.110~113 (2016)
- Zhang, Y., "Social health insurance vs private health insurance in China : Revisit crowd‐out effect based on a multiple mediation analysis", The International journal of health planning and management, 33(4), pp.996~1012 (2018)
- Zhu, M., "Public and Private Health Insurance in Medical Expenditure Financing ---- An Analysis based on 2003-2012 China’s Provincial Panel Data of Urban Areas", Insurance Studies, pp.96~104 (2014)