商业医疗保险的收入再分配效应研究  

Income Redistribution Effect of Commercial Medical Insurance

作　　者：唐金成[1] 陈明裕 Tang Jincheng;Chen Mingyu

机构地区：[1]广西大学经济学院,广西南宁530004

出　　处：《西南金融》2024年第7期65-76,共12页Southwest Finance

摘　　要：本文使用2019年中国家庭金融调查(CHFS)数据,实证分析了商业医疗保险的收入公平分配效应,并对其作用机制进行了探讨。研究表明:商业医疗保险有助于促进群体间的正向收入再分配,显著缩小个体收入差距。商业医疗保险主要通过灾难性医疗支出控制路径、身体健康状况提升路径缓解居民收入差距,而商业保险补偿在提升身体健康状况路径上呈现相反影响。本文以存在问题为导向,借鉴新加坡、荷兰、美国、芬兰等国相关实践经验,为提升商业医疗保险的收入公平分配效果,提出挖掘民众参保需求、完善产品设计开发、健全政府机构和市场主体的医疗控费机制、落实以预防为主的多层次健康管理战略等优化建议。Using the data of the 2019 China Household Finance Survey(CHFS),this paper empirically analyz⁃es the income redistribution effect of commercial medical insurance,and discusses its mechanism.The research shows that commercial medical insurance can promote the positive income redistribution among groups and signifi⁃cantly alleviate the income disparity of individuals.Commercial medical insurance mainly alleviates residents'in⁃come inequality through the path of controlling catastrophic medical expenditure and improving physical health status,while commercial insurance compensation has the opposite effect on the path of improving physical health status.This paper takes the existing problems as the guide,draws on the relevant practical experience of Singa⁃pore,the Netherlands,the United States,Finland and other countries to enhance the income redistribution effect of commercial medical insurance,and puts forward optimization suggestions such as tapping the people's demand for participation in insurance,perfecting the development of product design,sounding the medical fee-control mecha⁃nism of the governmental agencies and the market entities,and implementing a multi-level health management strategy focusing on prevention.

关 键 词：商业医疗保险 补充医疗保险 医疗支出 收入再分配 收入差距 健康管理 社会保障 共同富裕 

分 类 号：G22[文化科学] F842.6[经济管理—保险]