多层次医疗保障体系与居民家庭幸福感——基于中国家庭金融调查数据的分析  

Multi-Level Medical Insurance System and Residents'Family Well-Being:Analysis from Chinese Household Finance Survey

作　　者：李聪[1] 冯雪婷 吕学梁[1] LI Cong;FENG Xueting;LV Xueliang(School of Economics,Qingdao University,Qingdao,266100;School of Insurance,University of International Business and Economics,Beijing,100029)

机构地区：[1]青岛大学经济学院 [2]对外经济贸易大学保险学院

出　　处：《中国经济问题》2024年第5期180-196,共17页China Economic Studies

基　　金：国家社会科学基金项目(21BJY248);山东省自然科学基金青年项目(ZR2022QG023);山东省高等学校青创科技计划创新团队(2022RW032)。

摘　　要：本文基于中国家庭金融调查数据,深入研究多层次医疗保障体系对居民家庭幸福感的影响及其内在机制。研究表明,多层次医疗保障体系能够显著提升居民家庭幸福感。机制检验表明,多层次医疗保障体系通过提升家庭健康状况和降低家庭财务脆弱性进而影响居民家庭幸福感。异质性研究表明,多层次医疗保障体系对居民家庭幸福感的影响在不同户籍、健康水平和医疗负担家庭之间存在异质性。进一步研究表明,多层次医疗保障体系中不同医疗保障项目的作用效果及传导渠道也存在差异。本研究为构建可持续发展的社会保障体系提供新的研究视角与政策参考。Based on the China Household Financial Survey data,this paper thoroughly investigates the impact of the multilevel medical insurance system on residents'family well-being and its underlying mechanism.The findings show that the multilevel medical insurance system can significantly enhance the happiness of residents'families.The mechanism test indicates that the multi-tiered health insurance system affects the happiness of households by improving the health status of households and reducing the financial vulnerability of households.Heterogeneity studies show that the effects of the multilevel health insurance system on the well-being of households are heterogeneous across household registration,health level,and health care burden.Further research shows that there are differences in the effects and transmission channels of different health insurance programs in the multilevel health insurance system.In this regard,this study provides a new research perspective and policy reference for building a sustainable social security system.

关 键 词：多层次医疗保障体系 居民家庭幸福感 健康状况 财务脆弱性 

分 类 号：F842.684[经济管理—保险] R197.1[医药卫生—卫生事业管理] F126[医药卫生—公共卫生与预防医学]