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为探究民间借贷对农户大病风险应对的作用,本文利用湖北、四川两省4个贫困县的农户调查数据,通过建立对数线性回归模型对影响农村患者住院医疗费用的因素进行分析。研究发现,民间借贷、医院级别、住院天数、新农合、家庭收入水平、患者教育程度、患者性别等因素对患者住院费用水平影响显著;其中,民间借贷规模对患者住院费用的影响和作用最大,民间借贷在农户住院费用的筹集中发挥着突出作用。
In order to explore the role of private lending in coping with the risk of serious illness in rural households, this paper analyzes the factors that influence the cost of inpatient medical treatment in rural areas by establishing a logarithmic linear regression model using household survey data from 4 poor counties in Hubei and Sichuan provinces. The study found that the factors such as private lending, hospital level, hospitalization days, NRCMS, family income level, education level of patients and gender of patients have significant impact on hospitalization costs; among them, the scale and impact of private lending on hospitalization costs are the most , Private lending plays a prominent role in the raising of farmers’ hospitalization expenses.