365电玩城游戏大厅下载|欢迎您

Medical Insurance and Households' Consumption: Evidence from a quasi-experiment in China(医疗保险对家庭消费的影响:来自拟自然实验的证据)

时间:2021-10-26         阅读:

光华讲坛——社会名流与企业家论坛第5897

主题:Medical Insurance and Households' Consumption: Evidence from a quasi-experiment in China(医疗保险对家庭消费的影响:来自拟自然实验的证据)

主讲人:广东外语外贸大学 丁宇刚副教授

主持人:保险学院 王晓全副教授

时间:2021年10月27日(周三),上午10:00—11:30

举办地点:腾讯会议ID:402 816 167

主办单位:保险学院 科研处

主讲人简介

丁宇刚,男,广东外语外贸大学金融学院云山青年学者,北京大学经济学院博士。主要研究方向为风险管理与保险学、气候金融等。以第一作者或通讯作者在Geneva Paper on Risk and Insurance: Issues and Practice、《管理评论》等国内外权威期刊发表论文6篇。在欧洲经济学年会、美国风险管理与保险学年会、计量经济学亚洲年会、中国青年经济学者年会等国内外著名学术会议报告论文。参与多项国家自然科学基金、国家社会科学基金、发改委课题等项目。

内容简介

The findings of empirical studies on the impact of health insurance on household consumption are mixed. The reason for this may be that some studies fail to effectively address the endogeneity of the health insurance variable. In this paper, based on a quasi-experiment of medical insurance integration for urban and rural residents in China, we use the staggered difference-in-differences model to address the endogeneity problem in the regression of the impact of health insurance on household consumption, and thus obtain convincing conclusions. We find that the increase in the level of health insurance coverage brought by the integration significantly raises residents' non-medical consumption by about 17%-21%. Besides, the impact is larger on non-food than that on food consumption. Heterogeneity analysis shows that the integration has a greater impact on non-medical consumption of rural residents and groups with lower income levels. Mechanism analysis shows that the integration affects non-medical consumption through influencing the proportion of out-of-pocket medical expenses and precautionary savings.

本次讲座讲述关于医疗保险对家户消费影响的实证研究的结论存在差异。产生差异的原因可能是有研究未能有效地解决医疗保险保障水平变量的内生性问题。本文基于中国城乡居民医疗保险整合这一拟自然实验,运用渐进双重差分模型,较好地解决了医疗保险对家户消费影响回归中的内生性问题,从而得到了有说服力的结论。本文发现城乡居民医疗保险整合带来的医疗保险保障水平的增加会显著提升居民非医疗消费约17%-21%;其中,对非食物消费的影响要比食物消费的更大。异质性分析表明,医疗保险整合对农村居民和收入水平较低群体的非医疗消费的影响更大。机制分析显示,医疗保险整合会通过影响自负医疗费用比例和预防性储蓄来影响非医疗消费。