农户收入与城乡居民基本医疗保险参与行为研究  

Income and Participation Behavior of Urban and Rural Residents for Medical Insurance

作　　者：祝月明 张行[1] 张广科[1] ZHU Yueming;ZHANG Xing;ZHANG Guangke(School of Public Administration,Zhongnan University of Economics and Law,Wuhan 430073,China)

机构地区：[1]中南财经政法大学公共管理学院

出　　处：《经济经纬》2020年第1期50-58,共9页Economic Survey

基　　金：国家社会科学基金后期资助项目(15FJL021);中南财经政法大学一流学科建设项目(16GL005);湖北省社会科学基金项目(2018188);湖北省科技厅软科学项目(2018ADC161);教育部人文社会科学基金项目(18YJA840020)

摘　　要：基于湖北省和河南省1012份农户的调查数据,应用Probit估计方法,论证了农户收入与城乡居民基本医疗保险参与行为的关系,探讨了农户收入对"城居保"参与和健康投资行为影响的差异性。结果显示:收入对农户住院治疗行为有负向影响,即收入增加,农户住院治疗概率会下降;农户住院治疗行为与"城居保"参与行为正相关,参与"城居保"对农户住院治疗行为有正向影响;由于农户受益水平、地方政府支付能力、政策落实等方面的不同,"城居保"缴费率对两省农户住院治疗行为的影响存在差异,湖北数据显示正向效用,而河南数据显示负向效用;"城居保"的年金收益特征越明显,农户"城居保"参与越积极,住院治疗行为亦会增加;"城居保"的年金收益特征越不明显,农户进行健康投资的行为越积极,而住院治疗的概率会下降;省域特征下,户主年龄对"城居保"参与行为和住院治疗行为的影响相反。Based on 1012 households survey data of rural households in Hubei Province and Henan Province, the paper expounds and proves in detail the relationship between household income and participation in the New Rural Cooperative Medical System(NRCMS), and explores the differences in the impact of income on the participation and health investment behavior of the NRCMS. There are five main conclusions in this paper: Income of peasant households has a negative impact on hospitalization behavior, that is, increasing income will reduce the probability of hospitalization behavior of peasant households;hospitalization behavior of peasant households is positively correlated with the participation behavior of NRCMS;income after participating in NRCMS has a positive effect on the probability of hospitalization treatment of peasant households;because of the differences in certain aspects, like benefiting level of households, affordability of local government, implementation of policies, there are differences in the effects of the two provinces on the hospitalization behavior of farmers in South China. The data from Hubei Province show positive effects, while the data from Henan Province show negative effects. The more obvious the characteristics of pension income of the NRCMS, the more active the participation behavior of farmers in the NRCMS, there is more hospitalization behavior. The less obvious the income characteristics are, the more active the farmers are in investing in health, the probability of hospitalization treatment is lower. The estimation results of the age role of the head of household in the two provinces are contrary, indicating that the age characteristics of the two provinces’ participation groups are different, which indirectly reflects the difference between the degree of policy acceptance and the willingness of the participants.

关 键 词：农户收入 城乡居民基本医疗保险 参与行为 LOGISTIC回归 

分 类 号：F323.89[经济管理—产业经济]