商业健康保险对居民消费及其结构的影响——基于理性预期和家庭资产结构分析

EffectsofC ommercial Health Insurance to Consumptionand the Structure of Consumption——Based on rational expectation and an analysis of household asset structure

从微观决策层面出发,考察我国商业健康保险需求的影响因素及商业健康保险购买对非必要消费和整体消费结构的影响。以中国家庭金融调查(CHFS)数据为依托,通过处理效应模型的估计分析发现:在控制人口统计特征、收入、健康信息和经济主观态度等四个方面因素以后,个人购买商业健康保险行为会促进其非必要消费,同时会对整体消费结构有显著影响而且相比于其他变量影响更为有效。由于商业健康保险对消费水平和消费结构的影响弹性要远大于基本医疗保险、收入、养老保险等因素,我们进一步论证,大力发展商业健康保险不仅能够完善我国整体医疗体系架构、构建多层次医疗保障体系,而且还对我国调整消费结构、拉动内需等宏观政策具有较强的经济效应。

Proceeding from the micro decision-making level, this paper studied the factors affecting commercial health insurance demand in China and the effects of health insurance on non-essential consumption and overall consumption structure. We used China Household Finance Survey （CHFS） data and the estimated treatment effect model, and the a- nalysis found that after controlling demographic characteristics,income, health information and economic subjective atti- tudes,purchase of health insurance could promote individual＇s non-essential consumption,and at the same time it had a significant impact on the overall consumption structure with the impacts more effective than other variables. Because the impacts of commercial health insurance is much larger than the social medical insurance ,pension insurance ,income and other factors ,we further demonstrated that promoting the development of commercial health insurance could not only im- prove our health care system ,and help to construct the multi-level medical insurance system, but also has an economic effect on China＇s macro policies such as consumption structure adjustment and stimulating domestic demands.