经济论坛2025,Issue(8) :91-101.

中国人口结构与商业健康保险消费的动态关系

Dynamic Relationship between Chinese Population Structure and Commercial Health Insurance Consumption

董海松 樊增增
经济论坛2025,Issue(8) :91-101.

中国人口结构与商业健康保险消费的动态关系

Dynamic Relationship between Chinese Population Structure and Commercial Health Insurance Consumption

董海松 1樊增增2
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作者信息

  • 1. 阜阳师范大学经济学院,安徽阜阳 236037
  • 2. 郑州大学商学院,河南郑州 450001
  • 折叠

摘要

文章利用1997-2020年中国人口年龄结构、城乡结构、性别结构、教育结构、婚姻结构与商业健康保险密度的时间序列数据,构建SVAR模型,通过脉冲响应分析,研究中国人口结构与居民商业健康保险消费之间存在的动态关系.结果表明:中国人口年龄结构、城乡结构、性别结构、教育结构、婚姻结构与商业健康保险消费之间存在长期均衡关系;中国人口年龄结构短期具有正向效应,长期对商业健康保险消费的增长抑制明显,性别结构则与之相反;中国人口城乡结构、教育结构和婚姻结构,总体存在正向效应,某一特定时期存在负向效应.

Abstract

Based on the time series data of age structure,urban and rural structure,gender structure,education structure,marriage structure and commercial health insurance density from 1997 to 2020,this paper constructs SV AR model and uses the method of impulse response analysis to explore the dynamic relationship between the Chi-nese age structure and the commercial health insurance consumption of residents.The results show that:There is a long-term equilibrium relationship between the age structure,urban and rural structure,gender structure,education structure,marriage structure and commercial health insurance consumption in China;the age structure has a posi-tive effect in the short term and a significant inhibition on the growth of commercial health insurance consumption in the long term,while gender structure is opposite;the urban and rural structure,education structure and marriage structure have positive effects on the whole,and negative effects in a particular period.

关键词

中国人口结构/商业健康保险消费/动态关系/SVAR

Key words

Population structure of China/Commercial health insurance consumption/Dynamic relationship/SVAR

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出版年

2025
经济论坛
河北省社会科学院

经济论坛

影响因子:0.394
ISSN:1003-3580
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