农户参与医疗保险行为决策影响因素分析  

An analysis of factors affecting medical insurance purchase behavior of rural households in China

作　　者：董志勇[1] 黄迈 

机构地区：[1]北京大学经济学院,北京100871 [2]中国农业银行,北京100005

出　　处：《保险研究》2009年第12期45-51,共7页Insurance Studies

基　　金：国家教育科学基金"十一五"规划课题"我国社会教育消费需求与能力调查研究"(国家一般课题;批准号:BFA060023);北京大学ACOM"中国农村小额信贷渠道与模式研究"的资助

摘　　要：本文基于"中国健康营养调查"(CHNS)数据,运用离散选择模型,对农户参与农村医疗保险的影响因素进行实证分析,试图从微观视角剖析影响我国农村医疗保险发展进程的原因。研究表明:年龄、婚姻、工作对农户参与农村医疗保险有正效用,但并不显著;从事家庭手工业和小型商业对农户参与医疗保险有显著的抑制作用;农户的健康自评状况对其参加医疗保险决策的影响不显著。Based on the data of ＂China＇s Health and Nutrition Survey＂（CHNS）, this article applied the discrete choice model to analyze factors affecting rural households＇purchase of health insurance. The empirical results shows that China＇s rural medical insurance is positively, hut not significantly, affected by the age, marital status and employment. Farmers engaged in cottage industry and small business have little willingness to buy health insurance plans, and their self-assessment of health status do not affect their decision visibly.

关 键 词：农村医疗保险 离散选择模型 曲线效应假说 

分 类 号：F840.684[经济管理—保险]