新农合对中国农户家庭消费的平滑效应研究基于消费结构异质性的视角  

Research of the Impact of Rural Cooperative Medical Insurance on Consumption Smoothing Effect in China from the Perspective of Consumption Structure Heterogeneity

作　　者：聂荣[1] 刘宇 NIE Rong;LIU Yu(School of Economics,Liaoning University,Shenyang 110036,China)

机构地区：[1]辽宁大学经济学院,辽宁沈阳110036

出　　处：《东北大学学报（社会科学版）》2024年第6期55-66,共12页Journal of Northeastern University(Social Science)

基　　金：国家社会科学基金资助项目(23BJY175);辽宁省经济社会发展研究课题资助项目(2023lslybkt-059)。

摘　　要：新农合通过对消费结构的影响来实现平滑家庭各类消费的福利价值。基于微观面板数据的相关实证研究发现:提高新农合的家庭参保率对医疗消费具有促进作用,对非医疗消费具有挤出效应。进一步对消费进行分组的结果表明,家庭参保率对于非医疗消费的挤出效应主要体现在生存消费方面。收入与家庭参保率交互效应结果表明,新农合家庭参保率对于家庭各类消费的平滑效应具有收入的异质性,提高家庭参保率对于高参保率家庭中的中等或高收入组家庭的非医疗消费以及生存消费具有显著的挤出效应,但对低收入组家庭的挤出效应并不显著。研究结论表明,新农合无法满足中等或高收入组家庭的医疗消费需求,亟待多层次的保险制度设计与完善。The welfare value of family consumption will be smoothed and realized through the impact of New Rural Cooperative Medical Insurance on the consumption structure.Based on the micro-panel data,the results show that increasing the family engagement rate will have a promotion effect on the medical consumption and have a crowding-out effect on the subsistence consumption.Further grouping of consumption results show that the crowding-out effect is mainly reflected in survival consumption.The interaction effect analysis of income and insurance engagement rate shows that the smoothing effect of the family engagement rate on various household consumption has heterogeneity about income.Increasing family engagement rate has a significant crowding out effect on non-medical consumption and survival consumption of middle or high-income families in high engagement rate of families,but the crowding out effect on low-income families is not significant.The research conclusion indicate that the Rural Cooperative Medical Insurance cannot meet the medical consumption needs of the middle and high income groups,and it is urgent to design and improve a multi-level insurance system.

关 键 词：消费平滑率 风险分摊 消费结构 新农合家庭参保率 

分 类 号：F840.684[经济管理—保险] F061.4