【作者】 魏巍；

【导师】 刘波； 赵继龙；

【作者基本信息】 东北财经大学 ， 保险硕士（MI）（专业学位）， 2021， 硕士

【副题名】基于黑龙江省双鸭山市煤矿的问卷调查

【摘要】 我国煤炭产业作为基础能源中的重要一环,为国民经济建设做出重要贡献,大力支持我国国民经济发展。长期以来,总能源消费中煤炭消费占比在70%以上,近年来煤炭消费比重持续下降,2018年、2019年分别为59%、57.7%,2025年预计降至53%,但煤炭消费总量仍处于高位。煤炭行业要保障整个行业持续稳定健康发展,还应利用相应时机,确保安全、绿色、高效保障投入及职工健康的投入。煤矿工人在煤炭行业发展中起着重要的作用,保障煤炭工人的身体健康是保障煤炭行业持续发展的重要一环。由于煤矿工人复杂的工作环境,相比于其他工种,煤矿工人面临的风险随之增加。煤矿工人的生命健康,不仅和一个家庭幸福相关,同时也和社会和谐稳定相关。煤矿工人长期在井下工作,除了容易遇到火灾、瓦斯、顶板等安全事故,井下恶劣的工作条件也容易让煤矿工人得矽肺、腰间盘突出,肠胃等疾病。煤矿工人遭遇危险或者疾病将会面临治疗费用过多、医保不足、因病返贫等情况。所以煤矿工人商业健康保险的开展,可分散大部分疾病风险,有利于保障社会安稳,保障煤矿行业健康有序发展。本文以煤矿工人为对象,采取问卷调查的方式搜集数据,并运logit回归模型对商业健康保险需求影响因素进行实证研究,找出影响煤矿工人购买商业健康保险的主要因素及这些因素的影响方向,并分析其原因,进而为促进提升煤矿工人的商业健康保险保障水平提出有实际价值的建议。本文首先介绍了研究背景意义、相关文献,而后介绍商业健康保险及发展现状、保险需求的相关理论,其次介绍了煤矿工人的社会保障现状及存在问题和煤矿工人商业保险现状,之后通过调查问卷的形式收集了黑龙江省双鸭山市290名煤矿工人数据,运用logit回归模型分析煤矿工人商业健康需求的影响因素。结果表明,学历、上工类型、井下安全意识、单位风险防范、风险偏好、价格偏好、保险购买预期,这七个因素对商业健康保险需求有显著的影响。最后,根据上述分析,分别对政府、煤矿企业、煤矿工人和保险公司提出相关建议。通过本文的研究,希望能提高煤矿工人保险保障水平,减少煤矿工人群体因病致贫,为保险公司进一步促进高危职业商业健康保险的发展提供有利方向。双鸭山为资源枯竭型城市,煤炭资源开采占储量超过70%,目前正在处于转型中。希望本次的研究也可以和双鸭山相似的城市提供相应的借鉴。更多还原

【Abstract】 As an important part of basic energy,China’s coal industry makes an important contribution to the national economic construction and vigorously supports the development of China’s national economy.For a long time,coal consumption has accounted for more than 70%of the total energy consumption.In recent years,the proportion of coal consumption has continued to decline,59%in 2018 and 57.7%in 2019,and it is expected to drop to 53%in 2025,but the total coal consumption is still at a high level.In order to ensure the sustainable,stable and healthy development of the whole industry,the coal industry should also make use of the corresponding opportunity to ensure the safe,green and efficient investment and the healthy investment of employees.Coal miners play an important role in the development of the coal industry.To ensure the health of coal miners is an important part of ensuring the sustainable development of the coal industry.Due to the complex working environment of coal miners,compared with other types of work,the risks faced by coal miners increase.The life and health of coal miners is not only related to the happiness of a family,but also related to social harmony and stability.Coal miners have been working underground for a long time.In addition to fire,gas,roof and other safety accidents,poor working conditions also make coal miners suffer from silicosis,lumbar disc herniation,gastrointestinal and other diseases.When coal miners encounter danger or disease,they will face excessive treatment costs,insufficient medical insurance,and return to poverty due to illness.Therefore,the development of commercial health insurance for coal miners can disperse most of the disease risks,which is conducive to ensuring social stability and the healthy and orderly development of coal mining industry.This paper takes coal miners as the object,collects data by questionnaire survey,and uses logit regression model to conduct empirical research on the influencing factors of commercial health insurance demand,finds out the main factors influencing coal miners to buy commercial health insurance and the influencing direction of these factors,and analyzes the reasons,In order to improve the level of commercial health insurance for coal miners,this paper puts forward some practical suggestions.This paper first introduces the research background,significance and related literature,and then introduces the development status of commercial health insurance and the related theories of insurance demand.Secondly,it introduces the status quo of social security and existing problems of coal miners and the status quo of commercial insurance of coal miners.Then,it collects the data of 290 coal miners in Shuangyashan City of Heilongjiang Province in the form of questionnaire,Logistic regression model was used to analyze the influencing factors of coal miners’commercial health needs.The results show that education background,work type,underground safety awareness,unit risk prevention,risk preference,price preference and insurance purchase expectation have a significant impact on the demand for commercial health insurance.Finally,according to the above analysis,the paper puts forward relevant suggestions to the government,coal mining enterprises,coal miners and insurance companies.Through this study,we hope to improve the insurance level of coal miners,reduce the poverty of coal miners,and provide favorable direction for insurance companies to further promote the development of high-risk occupational health insurance.Shuangyashan is a resource exhausted city,and coal mining accounts for more than 70%of the reserves.At present,it is in the process of transformation.It is hoped that this study can also provide reference for similar cities in Shuangyashan.更多还原