新型农村合作医疗制度续保意愿实证研究  

Empirical Study of Willingness to Renew New Rural Cooperative Medical System

作　　者：周新发[1] 王国军[1] 

机构地区：[1]对外经济贸易大学保险学院,北京100029

出　　处：《财经研究》2014年第12期102-113,共12页Journal of Finance and Economics

摘　　要：文章以农民"自新型农村合作医疗制度(简称"新农合")2003年试点至今虽参合率很高但其主观续保意愿并不强"为背景,根据湖南省湘西自治州的实际调查资料,从农民个人特征、家庭特征和制度主、客观特征三个层面,运用二元Logistic回归模型,对农民"新农合"续保意愿的影响因素进行了实证研究。研究发现:定点医院的医疗服务满意度、"新农合"报销比例和报销便利性、家庭中拥有老人和小孩的数量、农民文化水平、农民身体健康状况和家庭收入水平这些因素对农民续保"新农合"有显著影响,其中:具有定点医院的服务满意度对农民"新农合"续保意愿的影响最大,说明"新农合"定点医院的医疗服务是否能满足广大基层农民群众的医疗健康需要,是"新农合"发展的基础;家中拥有老人和小孩数量的影响次之,说明对拥有老人和小孩较多的家庭更加需要"新农合"为其提供医疗保障;"新农合"报销比例和报销手续的影响居三,报销比例的多少和手续难易程度将决定农民从续保"新农合"的受益程度;农民个体身体状况的影响排序第四;家庭收入水平的正向影响居第五;文化水平的正向影响居第六。Since 2003,the new rural cooperative medical system(referred to NRCMS)has high participation rate,but farmers' subjective renewal willingness is not very strong.Under this background,this paper conducts the actual investigation in Xiangxi autonomous prefecture in Hunan province,and from the perspectives of personal,family and subjective &objective institutional characteristics employs binary Logistic regression model to make a deep and systematic analysis of influencing factors of farmers' willingness to renew NRCMS.It arrives at the conclusions that factors such as the satisfaction from medical services of designated hospitals,NRCMS reimbursement proportion and convenience,the number of the elderly and children in a family,farmers' culture levels,farmers' health and family income levels have significant effects on farmers' willingness to renew NRCMS.Among them,the satisfaction from medical services of designated hospitals has the greatest effect on farmers' willingness to renew NRCMS,showing that the satisfaction of numerous grass-roots farmers' demand for medical health from the medical services of NRCMS designated hospitals is the basis of NRCMS development.The number of the elderly and children in a family has the second greatest effect,so families with the elderly and children need NRCMS more to provide medical guarantee.NRCMS reimbursement proportion and convenience has the third greatest effect,determining farmers' benefits from renewal NRCMS.The effects of farmers' health,family income levels and cultural levels are ranked as the forth,the fifth and the sixth respectively.

关 键 词：新型农村合作医疗制度 LOGISTIC模型 续保意愿 

分 类 号：F323.89[经济管理—产业经济] F842.684[医药卫生—卫生事业管理] R197.1[医药卫生—公共卫生与预防医学]