我国农村家庭消费行为研究——基于健康风险与医疗保障视角的分析

China's Rural Household Consumption Behavior Research:Based on the Perspective of Health Risk and Medical Insurance

近年来，我国居民消费在国内生产总值中所占比重持续下降，特别是农村家庭消费倾向普遍偏低。本文运用中国健康与营养调查（CHNS）1991～2009年农村家庭面板数据，立足疾病、人口老龄化及相关保障水平不足等风险因素，系统分析农村家庭消费行为的特征。本文主要结论为：（1）疾病的发生和人口老龄化明显抑制农村家庭耐用品消费需求。（2）基本医疗保障在2004～2009年期间对农村家庭耐用品消费有显著刺激作用，因此完善农村医疗保障制度意义重大。

The propensity to consume of rural households is universally low in China. This paper analyzes the rural household consumption behavior based on the perspective of such risks as illness, aging and shortage of re- lated insurance, using China Health and Nutrition Survey （CHNS） panel data from 1991 to 2009. It is found that （ 1 ） illness and aging have dramatically depressed the rural household durables demand ; （2） basic medical insurance has significantly increased rural durables consumption from 2004 to 2009, indicating that it is very important to improve the medical insurance system in rural China.