The Research On The Impact Of Digital Inclusive Finance On The Demand For Commercial Health Insurance

With the continuous progress of society,the problem of food and clothing has been solved,and people have gradually begun to pay attention to their own health problems.As part of the health protection system,commercial health insurance is paying more and more attention,and the public’s demand for commercial health insurance is also increasing.However,due to various reasons,the current participation rate of commercial health insurance is still low.Digital inclusive finance can improve the convenience and availability of financial services,expand the coverage of financial services,and enable all classes and groups of society to enjoy suitable financial services.Insurance is part of finance,and digital inclusive finance may have an impact on commercial health insurance demand.Based on this,this article conducts research on whether digital inclusive finance can increase the purchase of commercial health insurance,and provides reasonable suggestions and references for promoting the development of digital inclusive finance and commercial health insurance in China.This article uses the China Household Finance Survey（CHFS）data and the district and county-level digital inclusive finance index to focus on the empirical research on the relationship between digital inclusive finance and commercial health insurance demand.First of all,the introduction part elaborates the research background and significance,combs the relevant domestic and foreign references,and then puts forward the innovative points and shortcomings of the research of this article.Subsequently,the relevant theories involved in this article are explained,and the mechanism of the effect of digital inclusive finance on the purchase of commercial health insurance is discussed,which provides a theoretical basis for this article.After that,this article combs the status quo of my country’s digital inclusive finance development and commercial health insurance needs.Finally,Logit model and OLS model are used for empirical analysis,and the research conclusions of this article are drawn,and relevant policy recommendations are put forward based on the research conclusions.The main conclusions of this paper are as follows: First,on the whole,digital inclusive finance can promote households to increase the demand for health insurance.Second,digital inclusive finance can better promote low-income families and rural families to purchase commercial health insurance,but it has no significant impact on families in poor counties.Third,the increase in coverage and depth of use can both promote the purchase of commercial health insurance,while the increase in digitization has no significant effect on the purchase of commercial health insurance.Fourth,digital inclusive finance affects the purchase of commercial health insurance through the intermediary channels of income and Internet use,and both are partial mediating effect.Based on the research conclusions,this article proposes to improve the infrastructure construction of digital inclusive finance,promote digital financial inclusion to play the role of income multiplier,strengthen risk control,prevent digital fraud,improve consumers’ financial literacy,and innovate insurance products and improve related services.