基本医疗保险对促进家庭消费的影响

Resident Basic Medical Insurance and Household Current Consumption

本文就目前基本医疗保险与居民消费之间关系的问题,首先进行了相关的文献疏理。立足于现有文献的研究成果,本文对比政府投入的成本与效率,结果显示投资于基本医疗保险的政府资金的使用是有效率的。政府在新型农村合作医疗保险上的投资将撬动约2.36倍的农村居民消费,城镇职工医疗保险带动了其4.16倍的城镇家庭消费,全国城镇家庭也因参加城镇居民基本医疗保险而新增消费2190亿元。以农村居民、城镇就业居民、城镇未就业居民的人口比例将医疗保险所带动的消费量进行折算,基本医疗保险约带动全国7%的消费。2007年我国居民储蓄率为37.94%,那么这意味着我国居民储蓄率将下降约4.34个百分点。

Based on the existing literature,this paper conducts cost-efficiency analysis of government investment in health insurance. The ratio of the corresponding increase in consumption and the government’s investment in health insurance is 2.36 for the New Rural Cooperate Medical System (NRCMS),4.16 for the Urban Employee Medical Basic Insurance (UEBMI),and 21.9 RMB for the Urban Household Basic Medical Insurance (UHBMI). Overall,those effects would increase residents’ current consumption by 7%,which means that China's household savings rate would be lowered by 4.34 percentage points.