互联网保险发展对居民医疗保健支出的影响研究——基于城乡视角  

Researches of the Impact of Internet Insurance Development on The Residents′Health Care Expenditure from the Perspective of Urban and Rural Areas

作　　者：王振 曾智[1,2] Wang Zhen(School of Public Health,Hubei University of Medicine,Shiyan,P.R.China.)

机构地区：[1]湖北医药学院公共卫生与健康学院,湖北十堰442000 [2]湖北医药学院卫生管理与卫生事业发展研究中心

出　　处：《中国卫生事业管理》2023年第11期835-839,共5页Chinese Health Service Management

基　　金：教育部人文社会科学研究基金项目“社会资本变化对库区移民健康水平的影响研究——以南水北调中线丹江口库区移民为例”(17YJCZH015);湖北省高校人文社科重点研究基地开放基金重点项目“人口老龄化对资本积累的影响研究”(2022ZDO02)。

摘　　要：目的:探究互联网保险的发展对居民医疗保健支出的影响。方法:基于我国31个省份2011~2020年的面板数据,分别以城镇、农村为视角,采用固定效应模型进行实证分析。结果:互联网保险发展指数每增加1%,城镇人均医疗保健支出及其在消费性支出占比分别降低0.036%(P<0.05)和0.031%(P<0.1),且在中部地区较为显著(P<0.1),而东部、西部和东北部不明显;但互联网保险发展指数对农村地区的影响并不显著;机制分析中,以城镇人均医疗保健支出为被解释变量,保险购买意愿为机制变量时,中介效应显著存在(P<0.1)。结论:互联网保险的发展有效缓解了城镇居民医疗保健支出压力,且存在区域异质性,但对农村地区未起到显著作用。保险购买意愿是互联网保险发展影响城镇人均医疗保健支出的重要渠道。相关政府部门应尽快弥合城乡之间的“数字鸿沟”,并对各区域相关保险方案做出合理调整,充分发挥互联网保险优势,缩小城乡差距,促进区域协调发展。Objective To explore the impact of the development of Internet insurance on residents′health care expenditure.Methods Based on the panel data of 31 provinces in China from 2011 to 2020,the fixed effect model was used for empirical analysis from the perspective of urban and rural areas,respectively.Results For every 1%increase in Internet insurance development in⁃dex,the per capita medical care expenditure and its proportion in consumption expenditure in urban areas decreased by 0.036%(P<0.05)and 0.031%(P<0.1),respectively,which were more significant in the central region(P<0.1),but not significant in the eastern,western and northeastern regions.However,the impact of Internet insurance development index on rural areas was not significant.In mechanism analysis,when the urban per capita medical care expenditure was taken as the explained variable,and the insurance purchase intention was taken as the mechanism variable,the mediating effect existed significantly.Conclusion The development of Internet insurance effectively alleviates the pressure of urban residents′health care expenditure,and there is region⁃al heterogeneity.But it does not play a significant role in rural areas.Insurance purchase intention is an important channel for the development of Internet insurance to affect urban per capita health care expenditure.Relevant government departments should bridge the"digital divide"between urban and rural areas as soon as possible,and make reasonable adjustments to the relevant in⁃surance programs in various regions,give full play to the advantages of Internet insurance,narrow the urban-rural gap,and pro⁃mote regional coordinated development.

关 键 词：互联网保险 医疗保健支出 城乡 固定效应 

分 类 号：R195[医药卫生—卫生统计学] F842[医药卫生—卫生事业管理]