基本医疗保险对农村家庭发展韧性的影响研究  

Study on the Impact of Basic Medical Insurance on the Resilience of Rural Household Development

作　　者：于新亮[1] 杨澍东 许力萍 张钰[1] 申宇鹏 

机构地区：[1]山东财经大学,济南250014

出　　处：《中国医疗保险》2025年第2期45-53,共9页China Health Insurance

基　　金：国家自然科学基金面上项目“长期护理保险嵌入农村医养健康服务体系的传导机制、福利效应和路径优化研究”(72274107);山东省泰山学者工程专项经费(tsqn202312226);山东省高等学校青创科技支持计划(2022RW044)。

摘　　要：本文利用2010-2022年中国家庭追踪调查(China Family Panel Studies,CFPS)数据,采用矩估计方法测度农村家庭发展韧性指标,并建立固定效应模型系统评估基本医疗保险对农村家庭发展韧性的影响,同时探究其中的作用机理。结果显示,基本医疗保险能够显著提高农村家庭发展韧性。具体而言,基本医疗保险系数在农村每提高一个单位,在其他条件不变的情况下,农村家庭发展韧性平均提高0.0866个单位。机制检验发现,家庭通过基本医疗保险收入效应和知识效应作用于家庭发展韧性,主要表现为医保报销金额的提高与受教育程度的改善。本研究旨在为制定精准帮扶政策防范规模性返贫、构建农村可持续发展体系提供经验证据。This paper utilizes data from the 2010-2022 China Family Panel Studies(CFPS),adopts the method of moments to measure the indicators of rural household development resilience,establishes a fixed-effects model to systematically assess the impact of basic medical insurance on rural household development resilience,and explores the mechanism.The results show that basic medical insurance can significantly improve rural household development resilience.Specifically,for every unit increase in the basic medical insurance coefficient in rural areas,the rural household development resilience increases by 0.0866 unit on average,other things being equal.The mechanism test finds that family acts on household development resilience through the income effect and the knowledge effect of basic medical insurance,which is mainly manifested in the increase in the amount of medical insurance reimbursement and the improvement in the level of education.This study provides empirical evidence for the development of precise assistance policies to forestall any large-scale relapse into poverty and build a sustainable development system in the rural areas.

关 键 词：农村家庭发展韧性 医疗保险 收入效应 知识效应 

分 类 号：F840.684[经济管理—保险] C913.7[社会学]