医疗保险对医疗费用影响的门槛效应研究  

A Study of the Threshold Effect of Medical Insurance on Medical Expenses

作　　者：谢明明[1] 朱铭来[1] 

机构地区：[1]南开大学金融学院,天津300350

出　　处：《江西财经大学学报》2016年第4期57-65,共9页Journal of Jiangxi University of Finance and Economics

基　　金：教育部人文社会科学重点研究基地重大项目"我国社会发展与民生保障战略研究"(13JJD840004);教育部哲学社会科学研究重大课题攻关项目"老龄化对中国经济发展的影响及应对策略研究"(13JZD005)

摘　　要：基于我国1 2省(市)2003-201 2年面板数据,采用面板固定效应模型和面板门槛模型考察了医疗保险对不同收入人群医疗费用的影响差异性,研究结果表明:医疗保险整体上对医疗费用具有促进作用,但是对于不同收入的人群医疗保险的作用具有差异性。当收入处于低水平和中高水平时,医疗保险对医疗费用没有显著促进作用,当收入处于中等水平和高水平时,医疗保险显著促进医疗费用的增长。Based on the panel data of China＇s 12 provinces（cities） from 2003 to 2014,this paper employs the panel fixed effect model and the panel threshold model to empirically study the difference of the impact of medical insurance on the medical expenses of different income groups.The results of the study indicate that medical insurance is on the whole playing a positive role in promoting the medical expenses,but this role is different for different income groups.When income is staying at a lower level or a medium to high level,medical insurance has no significant effect on the medical expenses.When income is staying at a medium level or a higher level,the medical insurance can significantly promote the growth of medical expenses.

关 键 词：医疗保险 医疗费用 收入水平 面板门槛模型 

分 类 号：F840.613[经济管理—保险]