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文章运用对中国城镇家庭的追踪调查数据,通过建立面板数据的固定效应模型,研究城镇家庭面临疾病冲击时对消费的保险能力。研究发现,疾病冲击不仅显著增加了家庭的医疗负担,同时也显著降低了家庭的消费水平。但家庭消费实际下降幅度只有疾病总负担的26%,表明中国城镇家庭可以对疾病冲击造成损失的74%进行保险,高收入家庭能对疾病冲击进行完全消费保险,仅有中低收入家庭不能对疾病冲击进行完全消费保险。同时,研究发现,虽然医疗保险释放了医疗消费需求,但对提高家庭的消费保险能力起到的效果还不明显。
Using the follow-up survey data of urban families in China, this paper studies the fixed-effects model of urban household data to study the insurance capacity of urban households in the face of disease shocks. The study found that disease shock not only significantly increased the family’s medical burden but also significantly reduced household consumption levels. However, the actual drop in household consumption is only 26% of the total disease burden, indicating that urban families in China can insure 74% of the losses caused by disease shocks and that high-income families can fully cover the disease shocks. Only low- and middle-income families can not afford Disease shocks for full consumer insurance. At the same time, the study found that, although the medical insurance release of medical consumer demand, but to improve the family’s ability to spend insurance has played an effect is not obvious.