Research On Influencing Factors Of Effective Demand Of Commercial Medical Insurance

With the development of the economy and reform of medical healthy system, commercial health insurance will play an increasingly important role and will constitute the extensive network of medical security together with the urban residents' basic medical insurance, new rural cooperative medical care and medical aid.People pay more and more attention to medical insurance, which is closely related to their daily life. Because of the influence and restriction of many objective factors and product of itself, the further development of commercial medical insurance is slowing down. Then how to make it a healthy and fast growth is an urgent problem need to be solved for it has becoming an important condition on keeping steady growth of insurance market and meet people's security need.Therefore, from political and economics significance, it is necessary to analyze the factors that affecting the development of China's commercial medical insurance. Under this context of reality, this paper try to identify the main demand impact factors of China's commercial medical insurance and draw comparisons with general demand theory in order to analyze the quantitative relations between the demand and the factors so as to discuss the future development of China's commercial insurance market.Based on the qualitative analysis of the impact factors of China's commercial medical insurance and the availability of the data, this paper chooses seven variables and analyses the quantitative relationship between the demand and the seven independent variables by using the fixed effect regression model under the panel data structure. The conclusion is mainly reflected in the following aspects. The GDP and per capita disposable income of urban residents are the main reason of commercial medical insurance premium income growth. The consumer price index and the proportion of old people in society have negative impact on the demand of commercial medical insurance, so does the level of urbanization. Finally, this paper put forward some suggestions to promote the healthy development of China's commercial medical insurance in the respect of the government, consumers and insurances companies.