【摘要】 目的 梳理影响居民购买商业健康保险偏好的因素并探究产生原因，从而为商业健康保险的发展建言献策。方法 针对江苏省南京市居民进行随机整群抽样调查，并对调查结果进行χ~2检验和logistic回归分析。结果 共纳入314名参与者。在风险态度因素中，贷款、股票以及社会保险的满意程度对商业健康保险的购买存在显著性差异；在家庭特征因素中，户口类型、金融理财活动的经历以及是否接受过金融知识普及具有显著性差异。贷款(OR=1.927,95%CI=1.064-3.491)、股票活动(OR=2.375,95%CI=1.251-4.510)、对社保的满意程度(OR=2.226,95%CI=1.193-4.155)以及接受过金融类教育(OR=2.439,95%CI=1.367-4.350)均对商业健康保险购买具有正向影响。结论 商业保险公司应当在政府相关政策的引导下，加大力度做好健康宣教，同时对商业健康保险需求分层分类，提供更具个性化的服务，打造健康保险产业链，从根本上改善我国目前商业健康保险发展力度、高度不足的问题。更多还原

【Abstract】 Objective To sort out the factors that have impact on residents’ preference for purchasing commercial health insurance and to explore the reasons behind them, in order to provide practical suggestions which can improve the development of commercial health insurance. Methods A total of 314 participants were included. A sample survey was conducted among residents in Nanjing City of Jiangsu Province, and then data analysis was made based on the survey results. Results As for the risk attitude factors, the satisfaction with loans, stocks, and social insurance had a significant impact on the purchase of commercial health insurance. As for household characteristics, there were significant differences in household registration type, experience in financial management activities, and whether one has financial knowledge. Loans(OR=1.927,95%CI=1.064-3.491), stock activities(OR=2.375,95%CI=1.251-4.510), satisfaction with social security(OR=2.226,95%CI=1.193-4.155), and having had a financial education(OR=2.439,95%CI=1.367-4.350) all had a positive impact on the purchase of commercial health insurance. Conclusions Commercial insurance companies need to enhance health education among the public under the guidance of relevant policies. Moreover, they should categorize the demand of commercial health insurance, in which way they are able to provide more personalized services. And meanwhile they can build a health insurance industry chain, and fundamentally ameliorate the current imperfect development of commercial health insurance in China.更多还原