新型农村合作医疗保险对创业决策的影响——基于中国家庭金融调查(CHFS)的实证研究  

The Impact of New Rural Cooperative Medical Insurance on Entrepreneurial Decision-making——An Empirical Study Based on China Household Finance Survey(CHFS)

作　　者：叶美婷 米运生[1] 杨学儒[1] YE Mei-ting;MI Yun-sheng;YANG Xue-ru(College of Economics and Management,South China Agricultural University,Guangzhou 510642)

机构地区：[1]华南农业大学经济管理学院,广东广州510642

出　　处：《南方农村》2022年第1期48-55,共8页South China Rural Area

基　　金：国家社会科学基金重大项目“乡村振兴与深化农村土地制度改革研究”(2019ZDA115);2020年广东省科技创新战略专项资金资助立项项目“福利救济能否降低贫困户的信贷违约风险——来自中国精准扶贫政策的证据”(pdjh2020a0088)。

摘　　要：本文研究了新型农村合作医疗保险(简称"新农合")这一制度对创业决策的影响。利用中国家庭金融调查(CHFS)的数据构建probit模型进行实证分析,结果表明:新农合对创业决策有显著的正向影响。新农合可以通过对家庭医疗支出产生影响进而对创业决策发挥作用,除此之外,新农合还可以降低风险厌恶对创业决策的负向影响。最后,为了减轻样本选择问题,本文进一步利用倾向得分匹配(PSM)进行验证分析,实证结果表明新农合对创业决策的处理效应在1%的水平下显著,由此可见,本文估计结果的准确性和稳健性。This paper studies the impact of the new rural cooperative medical insurance(NCMS)system on entrepreneurial decision-making.Using the data of China Household Finance Survey(chfs),this paper constructs probit model for empirical analysis,and studies this problem.The results show that NCMS has a significant positive impact on entrepreneurial decision-making.In addition,NCMS can also reduce the negative impact of risk aversion on entrepreneurial decision-making.Finally,in order to alleviate the problem of sample selection,this paper further uses propensity score matching(PSM)for verification and analysis.The empirical results show that the processing effect of NCMS on entrepreneurial decision-making is significant at the level of 1%.Therefore,it can be seen that the accuracy and robustness of the estimation results in this paper.

关 键 词：新型农村合作医疗保险 创业决策 医疗支出 风险厌恶 倾向得分匹配 

分 类 号：C934[经济管理—管理学] F842.0