医疗保险、贫困与家庭医疗消费——基于面板固定效应Tobit模型的估计  

Medical Insurance,Poverty and Household Medical Consumption——Based on the Estimation of the Fixed Effects Tobit Model of Panel Data

作　　者：胡宏伟[1,2] 刘雅岚 张亚蓉[2] 

机构地区：[1]北京大学光华管理学院,北京100871 [2]华北电力大学人文与社会科学学院,河北保定071003

出　　处：《山西财经大学学报》2012年第4期1-9,共9页Journal of Shanxi University of Finance and Economics

基　　金：国家社会科学基金项目(11CGL072;11CGL066);博士后基金面上项目(20100480115);博士后基金特别资助(201104010);河北省人力资源和社会保障课题(JR S-2011-2046);河北省社会发展研究课题(201103122;201103100)

摘　　要：医疗保险和贫困是制约个人和家庭医疗消费最主要的经济社会因素,也是影响医疗公平的重要原因。依据2007～2010年9城市家庭跟踪面板数据,使用面板数据固定效应Tobit模型方法,就医疗保险、贫困以及二者的交互作用对家庭医疗消费绝对量和相对比例影响的检验结果表明,在控制了其他因素的前提下,医疗保险显著释放了家庭的医疗需求,促进了家庭医疗消费绝对量和相对比例的提高;贫困因素显著抑制了家庭医疗消费,家庭人均收入越低,家庭医疗消费越少,特别是低保户的家庭医疗消费更少;城市的农村户籍低保户获得医疗保险将显著提高医疗消费占家庭总支出的比重,医疗保险和贫困因素对家庭医疗消费相对水平的作用存在城乡差别。Medical insurance and poverty are the key factors constraining the medical consumption of individual and household,and the key reasons for medical consumption equity.Based on the panel data on household of 9 cities from 2007 to 2009,and fixed effects of Tobit model of panel data,this paper makes an analysis on the impact of medical insurance,poverty and the interaction of medical insurance and poverty on medical consumption.The result shows that by controlling other factors,medical insurance in general significantly increase the demand of medical consumption,and poverty significantly decrease household＇s medical consumption.Some proposals such as foundation of national medical insurance welfare are given according to the empirical analysis result.

关 键 词：医疗保险 贫困 家庭医疗消费 面板固定效应Tobit模型 

分 类 号：F062.6[经济管理—政治经济学]