环境关注对中国居民商业医疗保险参与的影响机制——基于中国综合社会调查的实证研究

The Impact Mechanism of Environmental Concerns on the Participation of Chinese Residents in Commercial Medical Insurance: Empirical Research Based on China’s Comprehensive Social Survey

摘要:

商业保险作为社会保险的有效补充,对于健全多层次医疗保障体系、保障和改善民生具有重要作用。文章基于2021年中国综合社会调查数据,在通过了多重共线性检验前提下构建二元Logit模型,分析环境关注因素对我国城乡居民商业医疗保险参与的影响。结果表明,环境关注对城乡居民商业医疗保险参与存在显著影响。进一步考察了不同户口及健康状况的居民环境关注对商业医疗保险参与的差异性影响,并通过替换Probit模型等方法进行稳健性检验。机制分析证实环境治理感知在环境关注对我国城乡居民商业医疗保险参与的影响中起到中介作用,以及环境严重程度在两者之间存在调节作用。根据实证结果,文章提出重视公众环保教育,鼓励公众践行环境保护,增强全社会风险防范意识和优化创新商业医疗保险管理等建议。

Abstract:

Commercial insurance, as an effective supplement to social insurance, plays an important role in improving the multi-level medical security system, safeguarding and enhancing people’s livelihoods. Based on the data from China General Social Survey (2021), this paper constructs a binary Logit model through multi-collinearity testing to analyze the effect of environmental concerns on urban and rural Chinese residents’ participation in commercial insurance. The results show that environmental concerns have a remarkable effect on their participation. Furthermore, this paper examines the differential impact of environmental concerns on the participation of residents of different household registration types and health statuses in commercial medical insurance, and conducts robustness tests by replacing the Probit model. Mechanism analysis confirms that environmental governance perception plays a mediating role in the impact of environmental concerns on the participation of urban and rural residents in commercial medical insurance in China, and there is a moderating effect of environmental severity between the two. Based on empirical results, this study proposes to attach importance to public environmental education, encourage the public to protect the environment, enhance people’s awareness of risk prevention, and optimize and innovate the management of commercial medical insurance.