长期护理保险、家庭收入水平与家庭消费——基于CHARLS数据的实证研究  

Long-term care insurance,household income level,and household consumption: empirical study based on CHARLS data

作　　者：马广博[1] 许昆 MA Guangbo;XU Kun(School of Finance and Public Administration,Anhui University of Finance and Economics,Bengbu 233030,China)

机构地区：[1]安徽财经大学财政与公共管理学院,安徽蚌埠233030

出　　处：《南京医科大学学报（社会科学版）》2022年第5期449-457,共9页Journal of Nanjing Medical University（Social Sciences）

基　　金：教育部人文社会科学青年基金项目“我国长期护理社会保险不同模式政策仿真与优选研究”(18YJCZH123)。

摘　　要：我国老龄化程度不断加深且家庭养老负担不断加重,可能会对消费产生不利影响,如何在维持老年人身体健康的同时促进家庭消费,是我国在深化改革过程中所面临的实际问题。文章基于中国健康与养老追踪调查(CHARLS)四期数据,运用双重差分法评估长期护理保险(简称长护险)政策对家庭消费的影响。结果发现,长护险政策对家庭消费具有显著正向作用;异质性检验表明,与对照组相比,城镇和东中部地区受政策冲击影响更大,并且效应呈扩大趋势;中介效应清晰揭示出“长护险政策—家庭收入水平—家庭消费”这一传导机制。文章识别出长护险政策与家庭消费的作用机制和传导路径,有助于发挥长护险的健康效应和经济效应,为进一步深化医疗体系改革提供有益参考。China’s deepening aging and the increasing burden of household elderly care may adversely affect consumption,as how to promote household consumption while maintaining the health of the elderly is a practical problem faced by China in the process of deepening reform. Based on data from the China Health and Retirement Longitudinal Study(CHARLS),the effect of long-term care insurance policy on household consumption is evaluated using the difference-in-differences method. The results find that long-term care insurance policy has a significant positive effect on household consumption;the heterogeneity test shows that urban and east-central regions are more affected by the policy than the control group and the effect tends to expand. Further study finds that the mediating effect clearly reveals the transmission mechanism of“long-term care insurance policy—household income level—household consumption”. This paper identifies the mechanisms and transmission paths between long-term care insurance policy and household consumption,which helps bring into play the health and economic effects of long-term care insurance and provide valuable references for further deepening the reform of the health care system.

关 键 词：长期护理保险 家庭消费 收入水平 双重差分法 

分 类 号：C913.7[经济管理]