基于三维分析框架的商业健康保险政策量化分析研究OA
A quantitative analysis of commercial health insurance policies based on a three-dimensional analysis framework
目的 分析我国商业健康保险政策现状和不足,为优化商业健康保险政策提供参考.方法 从政策工具、政策目标、政策效力三个维度出发,运用内容分析法和PMC指数模型法对2014-2023年间国家和各省级关于商业健康保险政策文本进行多维量化分析.结果 政策工具维度共计筛选出1 279个分析单元,环境型政策工具、需求型政策工具和供给型政策工具分别占比为43.55％、34.25％和22.20％.四个政策目标占比为42％、31％、20％和7％.政策效力中,PMC指数平均值为6.92,评价总体良好.结论 应促进三类政策工具均衡使用;强化政策目标全局意识;多角度完善政策,构建完整周期链.
Objective To analyze the status quo and weaknesses of China's commercial health insurance policies,and to provide reference for optimizing the policies.Methods From the three dimensions of policy tools,policy objectives,and policy effectiveness,this study made use of content analysis and PMC index model to conduct a multi-dimensional quantitative analysis of national and provincial policies on commercial health insurance from 2014 to 2023.Results A total of 1279 analysis units were identified in the policy tool dimension,with envi-ronmental policy tools,demand policy tools,and supply policy tools accounting for 43.55％,34.25％,and 22.20％,respectively.The four policy objectives accounted for 42％,31％,20％,and 7％.In terms of policy effectiveness,the average PMC index was 6.92,indicating an overall favorable assessment.Conclusions It is necessary to promote the balanced use of three types of policy tools,strengthen the holistic perspective of policy objectives,and improve policies from multiple perspectives to build a complete policy cycle.
王宇千;陈永成
江西中医药大学健康经济与管理学院,江西南昌 330004江西中医药大学健康经济与管理学院,江西南昌 330004
医药卫生
商业健康保险三维分析内容分析PMC指数模型政策目标政策工具政策效力
Commercial health insuranceThree-dimensional analysisContent analysisPMC index modelPolicy objectivesPolicy toolsPolicy effectiveness
《中国农村卫生事业管理》 2026 (5)
318-324,7
国家自然科学基金项目(7236402181960616)
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