臺灣博碩士論文加值系統

本篇文章使用Logist迴歸分析檢驗金融知識、理財專員以及資訊來源對於民眾參與健康保險的影響。實證研究不僅顯示民眾若有較高的金融知識會比較有購買健康保險的可能性之外，理財專員也同時會影響民眾購買健康保險的意願，而且電視廣告、雜誌和電視與與家人朋友間的溝通對於民眾健康保險的需求性也皆有正向的影響力。尤其，缺乏金融知識的民眾購買健康保險的行為較會受到非正規管道的資訊來源影響，例如: 與家人、朋友談話 ; 反觀具有金融知識的民眾購買健康保險的行為較會受到正規管道的資訊來源影響，例如: 尋求理財專員的建議。此外，個人特徵像是年齡、性別、婚姻狀況、工作情況與個人薪資所得對於健康保險的需求性也皆扮演重大的角色。最後，我們也發現並非所有金管會的金融教育活動對於增加健康保險的需求上皆具有效益。

This paper uses the logist regression model to investigate the effects of financial literacy, financial adviser and information sources on health insurance participation. Our empirical evidences not only suggest that people with higher financial literacy would be more likely to purchase health insurance but also financial adviser will influence people to participate health insurance. Receiving financial information from advertisement in news, magazines, and television and converse with family members or friends are all positively related to the demand for health Insurance. Especially, consumers with low level of financial literacy prefer informal sources of information such as family and friends and consumers with high level of financial literacy prefer formal sources of information such as seek advice and guidance from financial adviser. In addition, physiological characteristics, like age, gender, marriage, working status, and personal income are also key factors affecting the demand of health insurance. Finally, we figure out not all financial education activities from the Taiwan Financial Supervisory Commission (FSC) are benefit to increase the demand of health insurance due to the goals and the participants of these activities.

1. Introduction 1
2. Literature review 5
2.1 The role of financial literacy 5
2.2 The role of financial adviser 9
2.3 The role of information sources 10
2.4 Determinants of health insurance demand 10
2.5 National Health Insurance in Taiwan 14
2.5.1 The regulation of National Health Insurance 14
2.5.2 The development of health insurance market in the Taiwan 15
3. Data and variable definition 17
3.1 Data 17
3.2 Variable definition 17
3.2.1 Measurement of Health insurance participation 17
3.2.2 Measurement of financial literacy 17
3.2.3 Measurement of financial adviser and information source 18
4. Empirical Analysis 19
4.1 Overview of the respondents who purchase the health insurance 19
4.2 Baseline results 20
4.3 Components in financial literacy and demand for health insurance 21
4.4 The effect of the FSC Financial Education Activities 21
4.5 Bivariate probit regression result 23
4.6 Sample split by financial literacy level 23
5. Robustness check 24
5.1 Exploring the Endogenous Problem 24
5.2 Robustness Tests: Logist regression results in 2007, 2009 and 2011 25
6 Conclusion 26
References 28
Appendix A: Financial Literacy Questionnaire 34
Appendix B: Table B1 Constructing indices for financial literacy 39
Table 1 Financial Literacy and Health Insurance Participation III

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