数字普惠金融对我国老年人医疗卫生服务支出的影响研究  

Research on the impact of digital inclusive finance on medical and health service expenditures for the elderly in China

作　　者：戴璟[1] 王宗玥 刘玚 杨云娟[2] 何云渝[3] DAI Jing;WANG Zong-yue;LIU Yang;YANG Yun-juan;HE Yun-yu(Faculty of Management and Economics,Kunming University of Science and Technology,Kunming,Yunnan 650500,China;不详)

机构地区：[1]昆明理工大学/管理与经济学院,云南昆明650500 [2]云南省疾病预防控制中心 [3]云南省第一人民医院,云南昆明650034

出　　处：《现代预防医学》2023年第7期1261-1266,共6页Modern Preventive Medicine

基　　金：国家自然科学基金项目(71764014);云南省卫生高层次人才项目(D-2018007);昆明市中青年学术和技术带头人项目(KMRCD-2018011)。

摘　　要：目的 了解地区层面数字普惠金融发展情况对于我国老年人医疗卫生服务支出水平的影响。方法 选取CLHLS2018年的调查数据,基于Anderson行为模型对15 778例样本构建多层有序logit模型进行回归分析,研究地区层面数字普惠金融以及个体层面相关因素对于其医疗卫生服务支出的影响。结果 我国老年人过去一年平均医疗卫生服务支出总费用为5 504.2元,数字普惠金融总指数(β=3.188,P=0.001)、覆盖广度(β=2.904,P=0.002)、使用深度(β=2.278,P=0.001)以及数字化程度(β=6.141,P=0.001)均为医疗卫生服务支出的影响因素。个体层面的收入情况、是否有养老保险以及个人身体状况等因素对于我国老年人医疗卫生服务支出的影响也具有统计学意义(P<0.05)。结论 不同维度数字普惠金融的发展以及部分个体差异对于医疗卫生服务支出的影响有所区别,应进一步提高数字普惠金融的包容性,为部分特殊人群提供针对性的帮扶,从而避扭转老年弱势群体的经济劣势,促进我国老年人医疗保障事业的发展。Objective To investigate the effect of the development of digital financial inclusion at the regional level on the expenditure level of medical and health services for the elderly in China.Methods Data of the Chinese Longitudinal Healthy Longevity Survey(CLHLS)in 2018 were collected.A multi-layer ordered Logit model was constructed for 15778 samples based on the Anderson behavioral model,and regression analysis was performed to study the impact of digital financial inclusion at the regional level and related factors at the individual level on their medical and health service expenditures.Results The average total expenditure on medical and health services of the elderly in China in the past year was 5504.2 yuan.Total index of digital financial inclusion(β=3.188,P=0.001),coverage breadth(β=2.904,P=0.002),depth of use(β=2.278,P=0.001),and digitization degree(β=6.141,P=0.001)were influencing factors of medical and health service expenditure.At the individual level,the influence of income status,endowment insurance,and personal physical condition had significant influence on the expenditure of medical and health services for the elderly(P<0.05).Conclusion The development of digital financial inclusion in different dimensions and the impact of some individual differences on medical and health service expenditures are different.We should further improve the inclusiveness of digital inclusive finance and provide targeted assistance to some special groups,so as to reverse the economic disadvantages of the elderly vulnerable groups and promote the development of medical security for the elderly.

关 键 词：数字普惠金融 ANDERSON模型 老年人 医疗卫生服务支出 

分 类 号：C921[社会学—人口学] R197.1[医药卫生—卫生事业管理]