The Influence Of Chinese Commercial Medical Insurance On The Consumption Of Urban Residents

In recent years,with the rapid development of economy,China's medical and health system reform deepening,China's urban residents' medical services demand is growing,the domestic medical products and medical service prices continue to rise.Compared with the past,the medical burden of the urban residents in China has increased significantly.The problem of "seeing a doctor difficult and expensive" has been highlighted continuously.In order to reduce the medical burden of urban residents in China,the relevant government departments have launched a series of initiatives such as medical insurance,basic medical insurance for urban workers,the new rural cooperative medical care and basic medical insurance for urban residents,the basic form of the basic medical insurance as the main commercial health insurance as a supplement of the multi-level medical security system.With the acceleration of the pace of urbanization and the coordinated development of urban and rural medical insurance,the impact of medical insurance on urban consumption has become increasingly prominent.In this paper,China's commercial medical insurance for urban residents purchase as a research object,through empirical research methods,comprehensive analysis of China's commercial medical insurance for urban residents consumption level and consumption structure.Firstly,and summarizes the related research results at home and abroad to collect,analyze the basic situation of China's current stage of commercial medical insurance and urban residents' consumption,and on the basis of analyzing the mechanism of China's commercial medical insurance of urban residents consumption,determine the content and direction of this research.Then,through the collection of commercial health insurance and consumption data of urban residents in 2000-2016 years,the quantitative econometric model of the impact of commercial medical insurance on urban residents consumption was analyzed.The calculation results show that: there is a positive correlation between the degree of China's commercial medical insurance and urban residents' consumption level,but this relationship is not too obvious,namely the commercial medical insurance purchases on the consumption level of urban residents and promote more limited role;commercial medical insurance and urban residents' consumption structure has obvious positive correlation the purchase of more commercial medical insurance for residents of the consumption structure about the rich,to a certain extent on the commercial medical insurance to promote the consumption of urban residents in China to service consumption,enjoy the consumer transition.Finally,based on the results of empirical analysis,combined with the advanced experience of foreign medical insurance model,perfect from the regulations,financial investment,medical cost control and other aspects of the improvement of the commercial medical insurance system of our country should,in order to better promote the upgrading of the consumption of urban residents.