医疗保险如何影响流动劳动力家庭消费水平?--来自北京市CMDS数据的证据

How Does Medical Insurance Affect Household Consumption Level of Migrant Labor Force?

促进共同富裕,医疗保障不可或缺。本文聚焦北京市流动劳动力,运用计量回归方法探究医疗保险对其家庭消费的影响机制。研究发现,北京市流动劳动力家庭消费倾向远低于北京市城镇居民家庭;北京市流动劳动力的医疗保险参与情况显著影响其家庭消费水平且影响关系逐年显著。相对于参加公费医疗的北京市流动劳动力,参加城镇职工医疗保险的其家庭消费水平更高,而参加城乡居民医疗保险的其家庭消费水平更低;在流入地参保的比在户籍地参保的家庭消费水平高。为推进城镇化进程和促进经济高质量发展,应通过加大宣传力度、设置专人专管、建立高效的信息管理系统等举措提升流动劳动力医疗保险参保率,以挖掘流动劳动力家庭消费潜力。

To promote common prosperity,medical security is indispensable.This paper focus on migrant labor force in Beijing and uses the quantitative regression method to explore the influence mechanism of medical insurance on household consumption of migrant labor force.It is found that the consumption tendency of migrant labor force is much lower than that of local residents in Beijing;the participation of Beijing's migrant labor force in medical insurance significantly affects the household consumption level of Beijing's migrant population,and the impact relationship is significant year by year;compared with Beijing's migrant labor force who participate in publicly-funded medical care,Beijing families participating in urban workers'medical insurance have higher consumption levels,while Beijing families participating in urban and rural residents'medical insurance have lower consumption levels;the consumption level of the insured families in the inflow place is higher than that of the insured families in the domicile place.In order to promote the process of urbanization and promote high-quality economic development,it is necessary to increase the participation rate of medical insurance of migrant labor force by increasing publicity,setting up special personnel and establishing an efficient information management system,so as to tap the consumption potential of migrant labor force.