相关链接： 《保险研究》2012年第11期目录及摘要
数理方法在我国保险学研究中的运用：国际比较与驱动因素
——基于2001年～2010年中外学术期刊载文
王向楠
（西南财经大学保险学院，四川 成都 611130；北京大学经济学院，北京 100871）
［摘要］研究方法的现代化推动了我国经济学研究的发展。利用2001年～2010年《保险研究》和四份国际学术期刊的载文资料，以国际比较的视角，分析以数理建模和统计计量为代表的数理研究方法在近些年来变化巨大的保险学研究中的运用状况。首先，通过统计描述发现，国内期刊数理方法的运用程度明显增加，但与国际期刊仍存在较大差距；数理方法与不同研究主题和险种的结合程度不尽相同；国内论文来自学术部门的作者占比显著提高，作者间的合作研究更加普遍，在这两点上《保险研究》已基本达到国际权威期刊的水平；学术部门和实务部门的作者在运用数理方法上存在着差异。接着，构建一个两部门两种禀赋的个体层面的知识合作模型以解释。进而，探讨了如何将数理方法进步的总效应分解为组内效应和组间效应，以便将论文运用数理方法的进步在各个驱动因素之间按贡献进行分配。此外，通过回归分析发现，中外期刊中运用数理方法、合作研究和作者部门状况对论文长度都具有显著影响。
［关键词］保险学研究；数理模型；统计计量；国际比较；文献计量；知识合作模型；效应分解
The Application of Mathematical Methods in Chinese Insurance Research:International
Comparison and Driving Factors
——Based on Domestic and International Academic Journal Papers from 2001 to 2010
Wang Xiangnan
（School of Insurance,Southwestern University of Finance and Economics,Chengdu 611130,China;School of Economics,Peking University,Beijing 100871）
Abstract：The advancement of research methods has enormously promoted economic researches in China.This paper studied the application of mathematical research methods in Chinese insurance research from the angle of international comparison,using papers published in “Insurance Studies” and four overseas insurance academic journals from 2001 to 2010 as samples,since insurance research has undergone a huge change in recent years.Firstly,using statistics description,this paper found:the usage of mathematical methods had significantly increased in “Insurance Studies”,however,a large gap still existed between domestic and international journals.The degree of usage of mathematical research methods varied for different topics and insurance types.The difference between domestic and international journals was mainly caused by different national conditions.The percentage of authors from academic fields and the degree of cooperative research increased and Insurance Studies had reached the level of international leading journals in both parameters.There was an obvious gap between academic authors and industry practitioners in using mathematical methods.Secondly,this paper constructed a twodepartment twoendowment individual knowledge cooperation model to explain what affected the usage of mathematical methods in China.And then,this paper decomposed the total effect (TE) into within effect (WE) and between effect (BE) so that the advancement in usage of mathematical methods could be distributed among different driving factors according to their contribution.Moreover,the application of mathematical methods,the author status and the usage of author cooperation significantly influenced the length of papers in both domestic and international journals.
Key words：insurance research;mathematical model;statistics and econometrics;international comparison;bibliometrics;knowledge cooperative model;effect decomposition
王向楠在《保险研究》上发表的其他文章：
外资保险公司的母国构成、区位布局和业务结构——入世十周年的分析
我国农业保险的发展成就、障碍与前景
庹国柱
（首都经济贸易大学，北京 100070）
［摘要］2007年以来，我国农业保险发展突飞猛进：初步建立了以商业保险公司为主的供给体制，农业保险的经济补偿作用、再分配功能得到有效发挥，农业保险成为各级政府“三农”工作的重要“抓手”，为深化农村金融体制改革做出贡献。然而，在发展的同时也遇到了一些障碍：制度性缺陷逐步显露，逆选择和道德风险防不胜防，面临微观经营两难选择，财政补贴进退维谷，大灾风险分散机制尚待健全。为促进我国农业保险可持续发展，应尽早建立完善的农业保险法律体系；努力做好农业保险制度的顶层设计；最后，应在全国建立统一的研究和管理机构，推进我国农业保险制度建设。
［关键词］农业保险；成就；阻碍；前景
The Progress,Obstacles and Prospect of Agricultural Insurance in China
Tuo Guozhu
（Capital University of Economics and Business,Beijing 100070）
Abstract：China′s agricultural insurance has seen exponential development since 2007.The supply mechanism with commercial insurance companies as the main supplier was established initially,the financial complementary role and income redistribution role of agricultural insurance were displayed effectively,and agricultural insurance became the key starting point of “the work related to countryside,agriculture and farmers”,and therefore contributed to the financial mechanism reform in rural areas.However,we have also encountered some obstacles in the process of development:some policy defects emerged gradually,moral hazards and adverse selection were hard to control,fiscal subsidy ran into a dilemma in the face of micro operational difficulties,and the risk spread system for major disasters remained to be established.In order to maintain a sustainable development of agricultural insurance,we should complete the related legal system as soon as possible,enhance the toptier design for agricultural insurance policies,and establish a unified research and administration institution nationwide for further promoting institutional construction for agricultural insurance.
Key words：agricultural insurance;achievement;obstacles;prospect
庹国柱在《保险研究》上发表过的其他文章：
政策性农业保险巨灾风险分担模式比较
——以北京、江苏、安徽为例
高庆鹏1 周振2 何新平3
（1.北京大学光华管理学院，北京 100871;2.重庆市烟草专卖局，重庆 400023;3.东方航空公司，北京 100027）
［摘要］在我国开展政策性农业保险试点的背景下，一些省份逐步建立起了农业巨灾风险分散机制，选择具有代表性的北京市、江苏省和安徽省，对其已建立起的巨灾风险分散机制进行了总结，按照这些省市风险分担模式，分别测算出政府和保险机构各需承担的赔付责任，并将三种模式代入到三省市种植业保险当中进行对比，最后总结了三种模式的特征及使用条件，提出了完善我国政策性农业保险巨灾风险分散机制的政策建议。
［关键词］政策性农业保险；农业巨灾风险；风险分担；模式比较
Comparison of Catastrophe Risk Sharing Models for Policy Agricultural Insurance
——With Beijing,Jiangsu and Anhui as Examples
Gao Qingpeng1, Zhou Zhen2, He Xinping3
(1.Peking University Guanghua School of Management,Beijing 100871;2.Chongqing Tobacco,Chongqing 400023;3.China Eastern Airline,Beijing 100027)
Abstract：During the pilot of policy agricultural insurance,some provinces have established the agricultural catastrophe risk sharing mechanism.Taking the typical provinces such as Beijing,Jiangsu and Anhui as examples,the paper summarized the catastrophe risk sharing mechanisms,and worked out the compensation percentages of government and insurance companies according to their respective risk sharing models.It also casted the three models into the three provinces′ crop insurance to compare them with each other.Finally,it summed up the features and application conditions of the three models,and offered some policy suggestions on enhancing the risk sharing mechanisms.
Key words：policy agricultural insurance;agricultural catastrophe risk;risk sharing;model comparison
周振在《保险研究》上发表过的其他文章：
杂交水稻制种风险分布与制种保险研究
——基于湖南省耒阳市的调查
方华1,2 龙文军2 李冉2
（1.中国农业大学经济管理学院,北京 100083；2.农业部农村经济研究中心,北京 100810）
［摘要］杂交水稻制种过程中存在多种风险因素。基于对湖南省耒阳市杂交水稻制种情况的调研,研究发现制种企业承担了大部分制种风险，制种农户也承担了一部分制种风险。应将制种保险纳入国家农业保险财政补贴范围中，探索建立“保险公司+制种企业”的制种保险运作模式，建立多方协调的制种保险工作机制。
［关键词］制种;风险分布;制种保险
龙文军在《保险研究》上发表过的其他文章：
Study on Risk Distribution of Hybrid Rice Seed Production and the Seed Production Insurance
Fang Hua1,2, Long Wen jun2, Li Ran2
(1.College of Economics and Management of China Agricultural University,Beijing 100083; 2.Rural Economic Research Center of the Ministry of Agriculture,Beijing 100810)
Abstract：There are a lot of risks in hybrid rice seed production.Based on the research on hybrid rice seed production in Leiyang of Hunan province,we found that the seed companies undertook the most part of the risks,while the farmers also bore some.Seed production insurance should be included in policyoriented agricultural insurance,which receive premium subsidies from fiscal finance.We should establish a model of seed production insurance based on cooperation between seed companies and insurance companies,and a multiagent coordination insurance mechanism.
Key words：seed production;risk distribution;seed production insurance
政策性农业巨灾保险偿付能力评估——基于云南试点的调查
张艳1 范流通2 卜一1
（1.云南财经大学金融学院，云南 昆明 650221；2.中国保监会云南监管局，云南 昆明 650011）
［摘要］偿付能力是建立健全农业巨灾保险的制度性约束条件。2010年～2012年云南连续三年大旱，直接推动了云南政策性农业保险制度变迁，在全国率先开展政策性农业巨灾保险试点工作，其中种植业巨灾保险的起赔线为损失率20%，最高赔偿金为全损的80%。这些承保公司的承保能力是否满足现行赔付标准？农业巨灾风险是否会对保险公司偿付能力产生“破产式”的冲击？即在农业发生巨灾损失时，参保农户赔付最大化与保险公司偿付能力是否达到均衡？评估结果显示：45亿元为云南种植业保险偿付能力上限，也就是说在种植业保险全覆盖的条件下，云南农业保险约能抵御农业直接经济损失约为97亿元的巨灾；起赔线在34.1%～40.4%之间比较合适。
［关键词］农业巨灾保险；偿付能力；评估
Assessing the Solvency Capacity of Agricultural Catastrophe InsuranceBased on a Research on the Yunnan Pilot Program
Zhang Yan1，Fan Liu tong2，Bu Yi1
(1.School of Finance， Yunnan University of Finance and Economics， Kunming， Yunnan 650221;2.Yunnan Insurance Regulatory Bureau,Kunming， Yunnan 650011)
Abstract：Solvency adequacy is an institutional prerequisite for establishing a sound agricultural catastrophe insurance system.During 2010 to 2012,Yunnan suffered from serious droughts in three consecutive years,which triggered off the transformation of the policy agricultural insurance system there.Yunnan took the lead among all provinces to initiate the policy agricultural catastrophe insurance pilot.The deductible of the pilot for crop catastrophe insurance is 20% loss ratio and the maximum compensation is 80% of total losses.Can the underwriting capacity of insurers meet these payment standards？ Will agricultural catastrophe insurance pose destructive impacts to the solvency level of insurers？ In other words,in case of an agricultural catastrophe,will this requirement of compensation maximization to participating farmers be properly balanced with insurer′s solvency capacity？ The research showed that RMB 4.5 billion was the compensation upper limit of Yunnan insurance sector.This means that in case of full coverage of crop insurance,Yunnan insurance sector can withstand an agricultural catastrophe that causes a direct economic loss of RMB 9.7 billion,with the deductible ranging from 34.1%~40.4%.
Key words：agricultural catastrophe insurance;solvency capacity;assessment
张艳在《保险研究》上发表过的其他文章：
政策性农业保险环境效应研究评述
张伟1，2 郭颂平2 罗向明2
（1.广东金融学院华南金融研究所，广东 广州 510521；2.广东金融学院保险研究所，广东 广州 510521）
［摘要］政策性农业保险提供的保费补贴会改变农民从事农业生产的期望收益，进而会影响农民的农业生产决策，最终对农村环境造成影响。根据国内外现有相关研究，本文将政策性农业保险的环境效应划分为三个维度：一是由农业保险引致的农业生产结构调整造成的环境污染结构效应；二是由农业保险引致的农业生产规模扩张造成的环境污染规模效应；三是由农业保险引致的农业生产技术进步造成的环境污染技术效应。中国政策性农业保险的发展应该充分考虑财政补贴的环境效应问题，通过不断优化农业保险覆盖结构、保障水平和保费补贴比例，诱使农民采用环保型的农业生产方式和生产技术，使农业保险真正实现维护粮食安全和保护农村环境的和谐统一。
［关键词］农业保险；环境效应；财政补贴；低碳农业
Environmental Effects Review of Policy Agricultural Insurance
Zhang Wei1,2，Guo Songping2，Luo Xiangming2
(1.South China Finance Research Institute of Guangdong University of Finance,Guangzhou 510521; 2.Insurance Research Institute of Guangdong University of Finance,Guangzhou 510521)
Abstract：Policy agricultural insurance premium subsidies will change the expected return of farmers engaged in agricultural production,which will affect their agricultural production decisions,and ultimately impact on the rural environment.Based on existing researches at home and abroad,the environmental effects of policyoriented agricultural insurance is divided into three dimensions:structural effects of environmental pollution caused by the restructuring of agricultural production due to the agricultural insurance,the agricultural environmental pollution caused by the expansion of agricultural production,and the technical effects of environmental pollution caused by agricultural technological progress.Development of agricultural insurance policy should take full account of the environmental effects of the financial subsidies to induce farmers to adopt environmentally friendly agricultural production methods and production technology through continuous optimization of the structure of agricultural insurance coverage,the level of protection,and the proportion of premium subsidies,so that agricultural insurance truly achieves the harmony between safeguarding food security and protection of the rural environment.
Key words：agricultural insurance;environmental effects;financial subsidies;lowcarbon agriculture
张伟在《保险研究》上发表过的其他文章：
保险标的转让效力与立法约束研究——兼论《保险法》第49条之立法缺陷
郭颂平在《保险研究》上发表过的其他文章：
罗向明在《保险研究》上发表的其他文章：
保险标的转让效力与立法约束研究——兼论《保险法》第49条之立法缺陷
保险法调整范围应当超越“商业”保险邢海宝
（中国人民大学法学院，北京 100872）
［摘要］现行保险法只调整商业保险，恰当地排除了政策性保险，但是不当地排除了互助保险，也使得交强险是否由其调整产生疑惑与争议。保险法应当把握保险的互助与技术特征，借鉴国际上的有益经验，修改有关规定，适当扩大其调整范围。
［关键词］保险法；调整对象；商业保险
The Regulation Scoop of China′s Insurance Law Should Surpass “Commercial Insurance”
Xing Haibao
(RENMIN University of China Law School,Beijing 100872)
Abstract：The Insurance Law of PRC only regulates commercial insurance.It is proper for the Law to exclude policyoriented insurance,but improper to exclude mutual insurance.It also leads to the disputes about whether Compulsory Traffic Accident Liability Insurance should be regulated by the Law or not.In regard to this,we should grasp the characteristics of mutuality and technicality of insurance,learn from useful international experiences,and modify the Insurance Law to expand its scoop appropriately.
Key words：insurance law;object of regulation;commercial insurance
邢海宝
在《保险研究》上发表的其他文章：保险法宽限期制度研究
梁鹏
（中国青年政治学院，北京 100089）
［摘要］宽限期制度不仅适用于分期付款的人身保险合同，也应当适用于分期付款的财产保险合同。在宽限期的产生方式问题上，我国采取的选择模式不尽合理，合理的宽限期产生方式应为催告模式。保险人应于保费到期之后向投保人发出书面催告，并将催告书送达保险合同载明的投保人最后住址，催告书应载明交费时间、交费金额、以及不交保险费之法律后果。
［关键词］宽限期；财产保险合同；选择模式；催告
Study on the Grace Period System of Insurance Law
Liang Peng
(China Youth University for Political Science,Beijing 100089)
Abstract：Grace period system is applicable not only to the regularpremium personal insurance contract,but also to the regularpremium property insurance contract.The initiation of the grace period in our country is not reasonable.A reasonable model is initiating the grace period through sending out written notices.The insurer ought to issue notice in writing to the applicant after the due date of premium.The notice should be sent forward to the latest address of the applicant specified in insurance contract.The notice should contain premium due date,amount of premium,and the legal consequences for not paying premium.
Key words：grace period;property insurance contract;selection model;notice
梁鹏在《保险研究》上发表过的其他文章：
醉酒驾车与交强险人身伤亡赔付——以《交强险条例》第22条第1款为分析重点
银保合作的效率损失研究
魏华林 龙梦洁
（武汉大学经济与管理学院，湖北 武汉 430072）
［摘要］由于参与者的有限理性和机会主义倾向，银保合作的意义在于通过激励和监督机制约束参与者，降低不确定性和交易成本。而只有当合作“有效”时，才能在确保各利益群体“无摩擦”的前提下节约交易费用，实现资源利用净收益大于零。虽然在契约关系型银保合作模式的推动下，我国银行保险实现了长达十年的高速扩张，但与此同时诸如手续费虚高、销售误导以及账外激励等无效率的市场乱象屡禁不止，以致市场竞争无序、行业信誉受损。导致银保合作的效率损失原因主要是参与者之间的激励机制设计普遍表现激励有余，约束却不足。在国际经济走势继续低迷和国内监管政策日趋严格的形势面前，推动银行和保险之间的深度层次合作，促进银保合作转型升级，势在必行，时不我待。
［关键词］银行保险制度；契约关系型；效率损失；双重委托代理
The Study on Efficiency Loss in Bancassurance Relationship
Wei Hualin，Long Mengjie
（Wuhan University Economics and Management School,Wuhan,Hubei 430072）
Abstract：As a result of participants′ limited rationality and opportunism tendency,the bancassurance system is to reduce uncertainty and transaction costs by incentivizing and supervising.Only when the system is effective,can transaction cost be reduced under the premise of “frictionless relationship” among all stakeholders and the net effect of resource utilization be greater than zero.Even though under the mode of contractual relationship based on distribution agreement,the bancassurance channel in China′s insurance market has achieved a highspeed expansion for more than 10 years,a wide range of inefficiencies such as high commissions,misleading sales and offthebook incentives have emerged,which resulted in market disorder and credibility damage.Actually,efficiency loss in the bancassurance system is mainly caused by the phenomenon of “excessive incentives but insufficient constraints” in incentive mechanism design.Therefore,in the face of continuous international economic downturn and tightened regulatory policy,it is imperative to promote deeperlevel cooperation between bank and insurer,and upgrade and transform the bancassurance relationship.
Key words：bancassurance system;contractual relationship;efficiency loss;dual principalagent
魏华林在《保险研究》上发表过的其他文章：
2006~2009：我国中资与外(合)资保险公司经营效率的比较研究
旱灾风险的特征及其防范研究——由西南旱灾和冬麦区大旱引发的思考
农民工养老保险基金管理运营创新——养老保险公司为主体的“3+1”模式
龙梦洁在《保险研究》上发表过的其他文章：
我国核电业保险问题的思考
李俊锋
（海南核电有限公司，海南 海口 570105）
［摘要］安全高效发展核电需要更加全面细致地做好安全和风险防范工作，需要做好保险转移及各类风险发生后经济补偿工作。巨大的需求孕育了巨大的核电保险市场。而我国核电保险市场主体形式单一，同质化竞争严重，核保险市场垄断且严重依赖国际市场，现有保险市场已越来越不能满足核电业的发展需求。运用风险管理理论探讨了核电在不同阶段如何利用各种不同的保险险种进行风险转移，全面系统分析现有核电建安保险市场和核保险市场的现状及发展趋势，对自保和相互保险应用于核电保险新模式的优劣势、创设条件、可操作性等问题进行了系统讨论；最后在结论部分得出中国核电业保险改革发展方向应当从两方面入手，一方面中国保险界应着手完善现有核共体保险市场的不足；另一方面中国核电业应积极参与行动起来，创设自保公司以树立理念积累经验，在此基础上，建立整个核电业互保组织，集聚全行业的保障能力；国家应当在相关法律政策方面尽快完善，以促进和保护核电保险市场的健康发展。
［关键词］核电保险；自保；相互保险
A Reflections on Issues about China′s Nuclear Power Industry Insurance
Li Junfeng
（Hainan Nuclear Power Company，Haikou,Hainan 570125，China）
Abstract：The sustainable development of the nuclear power market needs more comprehensive and meticulous safety work and risk prevention,and needs to arrange insurance transfer and economic compensation after the occurrence of risks.Huge demands breed the huge nuclear power insurance market.But in this market in China,there are limited market players and a serious product homogeneity and market monopoly problem.Moreover,China′s nuclear power insurance market heavily depends on the international market,and the existing insurance market can′t meet the demand for the development of nuclear power.This paper discussed the issues of safety management and risk prevention for nuclear power at different stages,and how to use different kinds of insurance policies to transfer risks.On this basis,the paper analyzed the situation of the existing CEAR market,the nuclear insurance market and the development tendency,discussed pros and cons of the captive and mutual insurance models used in nuclear power insurance,and the prerequisites for their application and their operability.Finally it concluded that the development and reform of China′s nuclear power insurance should be approached from two aspects.Firstly,the insurance sector should address the deficiencies in the existing nuclear coinsurance market.Secondly the nuclear power industry should establish captive insurance companies to accumulate experiences,and then build mutual insurance companies within the nuclear industry on this basis.The government should perfect related laws and policies in order to promote and protect the healthy development of the nuclear power insurance market.
Key words：nuclear power insurance;captive insurance;mutual insurance
保险监管模式国际比较及借鉴
王颖
（中南财经政法大学金融学院保险系，湖北 武汉 430073）
［摘要］对世界三大地区及国际的保险监管模式，分别是美国的RBC模式、欧盟的SolvencyⅡ模式、瑞士的SST模式以及国际监管ISIA模式进行总结与比较，在分析国际保险监管制度特点及发展趋势的基础上，针对我国保险监管中实际存在的问题，探讨建立和完善“具有中国特色”的保险监管制度，以促进我国保险市场的健康和可持续发展。
［关键词］保险监管模式；国际比较；中国保险监督
The International Comparison of Insurance Regulation Models and Its Implication
Wang Ying
(Insurance Department of Zhongnan University of Economics and Law,Wuhan,Huber 430073)
Abstract：This paper elaborated on the features and development of three major insurance regulation models around the world,namely the American RBC model,the EU Solvency Ⅱ regulation model and the Swiss solvency test and International Association of Insurance Supervisors model.Based on the existing problems for insurance regulation in China,it discussed on how to build an insurance regulation with “Chinese characteristics” in order to promote the healthy and consistent development of the insurance market in China.
Key words：insurance regulation model;international comparison;China′s insurance regulation
我国社会发展对基本医疗保险的影响研究
肖宏伟
（中国人民大学统计学院，北京 100872）
［摘要］通过建立面板数据模型，从不同区域人口、就业、卫生等社会发展的角度，分职工基本医疗保险、城镇居民基本医疗保险、新型农村合作医疗三个方面，定量研究了中国社会发展对基本医疗保险的影响。研究结果显示，社会发展对基本医疗保险的发展有着积极的促进作用，但是受地区人口、就业、卫生等社会发展不平衡影响，社会与基本医疗保险的持续协调发展存在一定的阻碍。我国应建立社会发展与基本医疗保险发展相协调的动态调整机制，加大对基层、农村地区以及中西部地区医疗服务机构的财政投入，同时需预防人口老龄化对我国基本医疗保险体系带来的风险。
［关键词］社会发展；面板数据模型；基本医疗保险；影响
Research on Impacts of China′s Social Development to Basic Medical Insurance
Xiao Hongwei
（School of Statistics,Renmin University of China,Beijing 100872）
Abstract：Through the establishment of panel data model,the paper researched the impacts of Chinese social development on the basic medical insurance systems (consisting of the basic medical insurance for employees,basic medical insurance for urban residents and the new rural cooperative medical insurance) quantitatively from the perspectives of regions with different population,employment and public health development levels.The results showed that social development had a positive role in promoting the development of the basic medical insurance,but due to the imbalance of regional population,employment,public health and other social development,there were some obstacles for sustained and coordinated development between social and basic medical insurance.China should establish a coordinated dynamic adjustment mechanism between social development and basic medical insurance development,increase financial input to the grassroots level in rural areas,and the medical services agencies in central and western regions,and at the same time prevent the risks of population aging to China′s basic medical insurance system.
Key words：social development;panel data model;basic medical insurance;impact
肖宏伟
在《保险研究》上发表过的其他文章：基本医疗保险制度的公众满意度及影响因素
——基于全国4个省份1 600余份问卷的实证研究
徐强
（中国人民大学劳动人事学院，北京 100872）
［摘要］利用2011年对全国4个省份1 600余份问卷的调查数据，通过建立logistic回归模型分析了公众对基本医疗保险制度的态度以及影响因素。总体来看，公众对基本医疗保险制度持肯定态度。具体研究发现，个体特征层面的文化程度显著影响公众对医疗保险制度的态度，文化程度越高，越倾向于对制度持肯定态度；社会特征层面的户口类型以及所在区位显著影响公众对医疗保险制度的态度，农业户口及中西部地区人群更倾向于对制度持肯定态度；制度层面的报销比例及减负能力显著影响公众对于基本医疗保险制度的态度，制度的报销比例越高，减负能力越强，公众越倾向于对制度持满意态度。
［关键词］医疗保险制度；公众满意度；logistic回归模型
Public Satisfaction and Impact Factor Analysis of the Basic Medical Insurance System
——Empirical Research Based on 1 600 Questionnaires from 4 Provinces
Xu Qiang
(Renmin University Labor and Human Resources Department,Beijing,100872)
Abstract：In this paper,the public attitude towards the basic medical insurance system and influencing factors were analyzed by logistic regression model based on more than 1 600 questionnaires distributed in four provinces in 2011.On the whole,the public held a positive attitude towards the basic medical insurance system.Specific study found that from individual characteristics perspective,education level significantly affected the public attitude to medical insurance system.The higher the education level,the more satisfaction inclined to the system.From social characteristics perspective,one′s account type and district area significantly affected the public attitude to medical insurance system,and agricultural accounts and the central and western regions of China tended to be more positive about the system.Reimbursement rate and burden reducing capabilities significantly affected public attitude:the higher the proportion of reimbursement and burden reducing capabilities,the more satisfaction inclined to the system.
Key words：medical insurance system;public satisfaction;logistic regression model
注：作者在《保险研究》上发表文章数量超过10篇以上的，目录中则显示最新的10篇，剩下的不予显示。