精神疾病冲击与农村家庭的消费保险——兼论经济成本和保险机制的中介效应

Mental Illness Shock and Rural Households,Consumer Insurance——Understanding the Mediating Effects of Economic Costs and Insurance Mechanisms

2012年和2016年CFPS的面板数据,研究了中国最为常见的精神疾病——抑郁障碍对农村家庭消费保险的影响以及经济成本和保险机制在其中的中介效应。实证结果表明:在精神疾病冲击下,家庭不能实现完全的消费保险;家庭消费下降主要由两方面的中介效应所造成:严重抑郁障碍给家庭带来极大的经济成本——患者及其亲属非农劳动收入减少;在缓解抑郁障碍造成的经济损失方面,正式医疗保险的作用并不显著,家庭通过收回借款——别人欠自家的钱,以及接受亲朋好友的馈赠等非正式保险机制部分弥补了抑郁障碍造成的收入损失,但是这些措施并不充分。

Based on the panel data of CFPS, this paper studies the impact of depression on rural householdconsumption and the mediating effect of economic costs and insurance mechanisms.The empirical resultsshow that depression causes a great decline in rural household consumption.The decline is mainly caused bytwo mediating effects：depression brings great economic costs to the households;The role of formal health insurance is not significant in relieving economic losses ,the household partially compensates for the loss of incomeby taking backdebts and accepting gifts from friends and family,but these measures are not sufficient.