此心安处是吾乡:商业健康保险与流动人口消费

Home Is Where the Heart Is:Commercial Health Insurance and Migrant Population Consumption

流动人口是我国户籍制度下的特有群体,其规模逐年增加。释放流动人口群体的消费潜力有助于缓解我国“高储蓄率和消费低迷”的宏观经济问题。本文使用2019年中国家庭金融调查数据(CHFS)数据,采用OLS模型研究商业健康保险对流动人口消费的影响及其影响机制,并通过工具变量法和处理效应模型缓解了可能存在的内生性问题。研究发现:商业健康保险通过提升流动人口消费能力和消费意愿进而提升其消费水平,且对低收入水平、风险中性和流入城市医疗实力强的流动人口提升效果更明显。本文进一步研究发现,流动人口购买商业健康保险能促进其消费升级以及缓解消费不平等现象。

The migrant population is a special group under the household registration system,and its scale is increasing year by year.Releasing the consumption potential of migrant population can help alleviate the macroeconomic problems of“high savings rate and low consumption”.This paper uses 2019 CHFS data and OLS model to study the impact of commercial health insurance on the consumption of migrant population and its influencing mechanism,and alleviates the possible endogeneity problems through instrumental variable method and processing effect model.The results show that commercial health insurance can improve the consumption level of the migrant population by improving their consumption ability and willingness,and the improvement effect is more significant for the migrant population with low income,risk neutral and strong urban medical strength.Further research in this paper shows that the purchase of commercial health insurance by the migrant population can promote their consumption upgrading and alleviate consumption inequality.