摘要：随着社会经济的快速发展，国民收入不断增加，社会成员对于自己的生活质量有了更高的要求，再加上疾病风险的增加以及保险意识的提高，商业医疗保险顺应而生。经过多次医疗体制改革，逐渐形成了以社会基本医疗为主，医疗救助、补充医疗为辅的多层次的医疗保障体系，在保障公民的身体健康、安定人们生活、稳定社会秩序等方面发挥着越来越重要的作用。

2009年国务院在颁布的《中央国务院关于深化医药卫生体制改革的意见》中指出，在进一步完善基本医疗保障体系的基础上大力发展其他多种形式的补充医疗保险，尤其是商业健康保险，构建多层次的医疗保障体系，以满足社会成员多元化的保障需求。近年来我国居民医疗卫生费用不断上涨，再加上基本医疗保险保障水平低以及覆盖范围窄等弊端，导致其保障程度远远不够，尤其对于一些偏远地区，“看病难，看病贵”的问题依旧突出，致使很多人宁愿选择“小病挨，大病扛”也不去医院。故此，为了缓解该问题就要大力发展其他多种形式的医疗保险。我国自1982年开办发展商业医疗保险至今，虽说整体上看呈现出保费收入稳步上涨的趋势，但仍然有很多因素制约其进一步的发展，为使我国商业医疗保险的作用能够得到最大限度的发挥，就有必要对影响其有效需求的因素进行分析，找出其中的主要影响因素及其影响效果，从而根据分析结果，从多角度为我国商业医疗保险的进一步发展提出一些建议。74105

毕业论文关键词：商业医疗保险，有效需求，回归分析

Analysis on the Influencing Factors of Effective Demand of Commercial Medical Insurance in China

Abstract：With the rapid development of social economy, the improvement of people's insurance awareness and the deepening of medical insurance system reform, commercial medical insurance has become one of the important supplementary forms of basic medical insurance。 It is related to basic medical insurance for urban workers, new rural cooperative medical care and Medical assistance together constitute China's medical security system, in ensuring the health of citizens, stability and people's lives, stable social order and so play an increasingly important role。

In 2009, the State Council put forward the Opinions of the CPC Central Committee and the State Council on Deepening the Reform of the Medical and Health System, which clearly proposed to speed up the establishment and improvement of basic medical insurance as the main body, supplemented by other forms of medical insurance and commercial health insurance to supplement urban and rural residents Multi-level medical security system。 In recent years, China's medical and health costs continue to rise, coupled with the basic level of low level of protection of medical insurance and narrow coverage and other shortcomings, resulting in its degree of protection is far from enough, especially for some remote areas, "difficult to see a doctor, expensive" Prominent, resulting in a lot of people prefer to choose "small disease suffer, serious illness carry" do not go to the hospital。 So in order to alleviate the problem will vigorously develop other forms of medical insurance。 Since the start of the development of commercial medical insurance in China since 1982, although there is a trend of rising premium income as a whole, there are still many factors that restrict its further development。 In order to better play the complementary role of commercial medical insurance, this paper analyzes the influencing factors of the effective demand of commercial medical insurance in China, and finds out the main influencing factors and their influencing effects。 Based on the analysis results, some suggestions are put forward for the further development of commercial medical insurance in China。