Analysis On The Influencing Factors Of The Development Of Commercial Health Insurance In Beijing

With the gradual improvement of living standards,people have become particularly important to their own health problems,in the face of China's "difficult to see,cure expensive,patient tension" phenomenon,China's government heart of the people's Health and security services,commercial health insurance has become an important part of China's medical security system,For our residents to enjoy the basic protection of social medical care at the same time enjoy greater protection,can make our residents in the physical health problems to play its strong role in safeguarding the burden of life.In addition,vigorously develop commercial health insurance at the macro level is very conducive to the stability of China's society and China's sustained and stable economic development.In recent years,China has begun to attach great importance to the development of commercial health insurance,and constantly introduce a series of policies and regulations to explain the importance of commercial health insurance,in addition to the improvement of people's living standards,the intensification of social aging problems,the continuous improvement of medical costs and so on,which make people's demand for commercial health insurance more and more.Beijing Health insurance market seize this development opportunity,the development of commercial health insurance as an important strategy to help the rapid development of the capital economy,Beijing commercial health insurance,whether it is the number of operating subjects or premium income has been located in the forefront of China.Beijing Commercial Health Insurance premium income from 2011 to 2015 showed a good momentum of development,become the city's insurance industry in the most growing business module,the main operating entity is increasing,the premium annual income from 58.8 billion yuan gradually rose to 105.9 billion yuan,and year-on-year growth rate continues to accelerate,In 2015,the growth rate of premiums can reach 63%,but from 2016,the growth rate gradually slowed down,even in 17 showed a negative status,although the 18 has eased but there is no new breakthrough,its development is still far from the expected level.In addition,Beijing and even China's commercial health insurance compared with the size of other insurance is still a certain distance,insurance products of the lack of innovation,low per capita premium expenditure,the amount of payment accounted for a relatively high series of problems are still relatively prominent,in the current view of commercial health insurance has not played a good role in the basic medical insurance market.This paper first makes a detailed analysis of the current situation of commercial health insurance in Beijing,understands the development situation in recent years and points out many problems existing in the process of development,combined with the current situation in Beijing and relevant literatures at home and abroad,the influence factors of Beijing commercial health insurance are analyzed in detail from two angles: internal and external.One of the internal factors is mainly the insurance company's own problems,that the insurance company's own management level is low,the product variety is less.external factors mainly from the economic and social point of view,including economic aspects: regional gross domestic product,per capita disposable income,through expansion,urbanization level,social aspects: Living environment,policy environment,population quality,aging level,insurance awareness,social and medical development level,etc.,initially considered that the region's GDP,Per capita disposable income,urbanization level,moderate inflation,population size,aging level,insurance awareness and the development of commercial health insurance in Beijing are positively correlated.The improvement of living environment in Beijing,the improvement of the health level of the population and the level of social medical care will inhibit the development of commercial health insurance in Beijing.Based on the empirical analysis of the factors mentioned,this paper uses the multivariate linear regression analysis model of EViews 8.0 software to carry out regression analysis of each variable,and then draws conclusions to demonstrate the point of view.Finally,the paper puts forward some suggestions on the present situation,influencing factors and empirical research on the current development of commercial health insurance in Beijing,as well as the rapid development of commercial health insurance in Beijing.In this paper,first of all,by using the method of literature,through the collection of a large number of domestic and foreign literature,and their classification and collation,a preliminary conclusion of various factors affecting commercial health insurance,Then we use the comparative method to understand the differences between commercial health insurance and other personal insurance and social medical insurance,so as to better understand the concept and function of commercial health insurance.Then qualitative and quantitative methods are used to explore the current situation and influencing factors of commercial health insurance in Beijing.Finally,the conclusion is drawn,which provides a reference for the commercial health insurance industry in Beijing.