The world aging process is rapid,and our country inevitably enters the aging society early,the proportion of middle-aged and elderly population increases rapidly,and the proportion of labor population decreases continuously.Hebei Province is one of the earliest provinces to enter the aging society,and the aging degree is slightly higher than the national average level.The improvement of the aging level has brought many problems,such as the increase of social security expenditure,the increase of financial burden,the imbalance of medical and health supply and demand.At present,social insurance covers a relatively comprehensive coverage,which plays a certain role in stabilizing people’s life.However,with the increase of the elderly population,the overall health level of the society will also decline,and people’s demand for health will also become more vigorous.The basic social security fund faces great pressure,and its coverage is limited,which is difficult to meet people’s growing health needs.As an important supplement to social insurance,commercial health insurance can effectively relieve the pressure of social security,expand the scope of security,and play an important role for the country and individuals.Therefore,it is of certain significance for the development of commercial health insurance in Hebei Province to analyze the influence of the aging population on the demand for commercial health insurance in Hebei Province.This thesis mainly studies the influence of population aging on the demand for commercial health insurance in Hebei Province.Firstly,the thesis introduces the background and significance of the topic selection,and lists the literature review at home and abroad.Secondly,the aging population and the development status of commercial health insurance in Hebei Province are analyzed from different perspectives,and it is concluded that the aging population in Hebei Province is relatively high,there are regional differences in the degree of population aging,and the aging does not match the level of economic development.Besides,the premium scale of commercial health insurance in Hebei Province increases but the growth rate slows down,and the proportion of health insurance in life insurance increases.Premium density continues to expand and premium depth continues to deepen.Thirdly,the thesis discusses the factors affecting the demand for commercial health insurance in Hebei Province under the background of population aging,and elaborates from four aspects: population factor,socio-economic factor,policy factor and insurance consciousness factor.Then,Eviews 10 software is used to establish a regression model,which takes the premium income of commercial health insurance in Hebei Province as the explained variable,the dependency ratio of the elderly population as the core explanatory variable,and the per capita disposable income of residents and the one-year benchmark deposit rate as the control variable.The results show that the aging population has a significant impact on the demand for commercial health insurance.Finally,on the basis of empirical analysis,combined with the aging population and the development status of commercial health insurance in Hebei Province,this thesis puts forward a number of measures from the perspective of the government,insurance companies and consumers to better promote the development of commercial health insurance in Hebei Province and promote the society to better deal with the problem of population aging. |