社会保险政策选择与农户消费行为  

Social Insurance Policy Choice and Rural Household Expenditure

作　　者：谢漾 刘思亚[1] 

机构地区：[1]西南大学经济管理学院,重庆400715

出　　处：《保险研究》2015年第6期109-117,共9页Insurance Studies

基　　金：国家社科基金重点项目:巨灾风险管理机制设计及路径选择研究(12AGL008);教育部规划项目:政府诱导型巨灾保险制度研究(12YJA790149)

摘　　要：本文利用大型微观调查数据(CGSS)研究医疗保险和养老保险选择对农户消费行为的影响。研究结果表明,医疗保险和养老保险均对农户消费水平有显著的促进作用。同时,随着农户消费水平的由低到高,保险政策的消费效应呈倒"U"关系。相对于医疗保险而言,养老保险对农户消费促进的贡献更高,尤其是对农户之间非刚性消费的差异具有更强的解释力。因此,社会保险政策对弱化农户的预防性储蓄动机和刺激农户消费水平的政策是值得肯定的,但政府更应该关注社会保险政策实施的质量。We used large-scale microeconomic survey data of CGSS to examine how health insurance and pension insurance affect rural household expenditure. The results showed that, both the health insurance and pension insur- ance had positive effects on household expenditure levels. Meanwhile, as the household expenditure levels went up, the expenditure effect of insurance policy showed an inverted-U pattern. Comparing to health insurance,the pension insurance had a greater contribution to rural households＇ expenditure hike, and a more convincing explanation on differentiated non-rigid expenditure of farmers. Thus, the social insurance policy＇ s role in weakening household precautionary savings motives and promoting household consumption levels was worthy of recognition. And the gov- ernment should pay more attention to the quality of social insurance policy implementation.

关 键 词：农户消费行为 医疗保险 养老保险 

分 类 号：F840.69[经济管理—保险]