多层次医疗保障体系改善我国家庭金融脆弱性的效果评估  

An evaluation of the effect of multi-level medical security system on reducing Chinese household financial vulnerability

作　　者：袁成[1] 于雪 YUAN Cheng;YU Xue

机构地区：[1]南京大学金融与保险学系,江苏南京210093

出　　处：《东南大学学报（哲学社会科学版）》2022年第3期51-60,147,共11页Journal of Southeast University(Philosophy and Social Science)

基　　金：国家社科基金一般项目“我国商业保险公司参与医保经办服务的动力机制、效果评估和路径优化研究”(21BGL291)成果之一。

摘　　要：基于中国家庭金融调查(CHFS)数据,利用有序Probit模型分别评估了家庭参与多层次医疗保障的程度以及医疗保障具体类别对家庭金融脆弱性的改善效果。研究发现:多层次医疗保障体系能够有效缓解家庭金融脆弱性,家庭参与的医疗保障种类越多,越能改善家庭金融脆弱性,每增加一种医疗保障,可以使家庭金融脆弱性降低4.7%;在具体保障类别中,基本医疗保险、大病医疗保险和商业健康保险均能降低家庭金融脆弱性,但目前企业补充医疗保险和社会互助的影响还不明显;农村家庭参与多层次保障的程度对家庭金融脆弱性的改善效果大于城镇家庭,尤其是通过购买商业健康保险来改善家庭财务困境的效果大于城镇家庭,但农村家庭参与大病医疗保险的影响并不显著。Based on the data of Chinese Household Finance survey(CHFS),using the ordered Probit model,this paper has an evaluation of the effect of the multi-level medical security system on reducing the household financial vulnerability.The results show that the system can effectively decrease the household financial vulnerability.The more kinds of medical security the families participate in,the better they can reduce the financial vulnerability.Each additional medical security can reduce the financial vulnerability by 4.7%.Basic medical insurance,serious disease medical insurance and commercial health insurance all can reduce this vulnerability,but the effect of enterprise supplementary medical insurance and social mutual assistance is not significant.Rural households’participation in the system has a greater effect than urban households,and the purchase of commercial health insurance has a greater effect in particular,but rural households’participation in major disease medical insurance has no significant effect.

关 键 词：多层次医疗保障体系 家庭金融 脆弱性 有序PROBIT模型 

分 类 号：F83[经济管理—金融学]