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目的:研究医疗保险对我国城市和农村家庭消费的影响。方法:借助“准社会实验”的方法进行实证研究。结果:参保家庭的年总消费量明显高于非参保家庭,且随着家庭医疗保险覆盖水平的提高,医疗保险促进家庭消费的作用加大;与此同时,医疗保险对农村家庭消费的边际效应大于城市家庭。结论:医疗保险通过增强家庭的风险承受能力而降低了家庭的预防性储蓄动机,促使其更倾向于增加当期消费。
Objective: To study the effect of medical insurance on the household consumption in urban and rural areas of our country. Methods: Empirical research with the help of “quasi-social experiment” method. Results: The total annual consumption of insured households was significantly higher than that of non-insured households. With the improvement of coverage of family medical insurance, the effect of medical insurance on family consumption increased. At the same time, the expenditure of medical insurance on rural households The marginal effect is greater than that of urban households. Conclusion: Medicare reduces the family’s precautionary saving motivation by increasing the family’s risk appetite, making it more inclined to increase current consumption.