商业保险对健康相对贫困的影响效应分析

Analysis of the effect of commercial insurance on health relative poverty

[目的]基于我国反贫困治理的重心从“绝对贫困治理”转移到“相对贫困治理”的现状,探究健康扶贫政策中商业保险是否具有缓解健康相对贫困的作用。[方法]使用2018年中国家庭追踪调查(CFPS)数据库,根据Logit回归、倾向得分匹配(PSM)和调节效应模型进行分析。[结果]商业保险对健康相对贫困的回归系数为-1.085,健康相对贫困发生比减少了66.14%。[结论]商业保险可以显著降低健康相对贫困的发生比;在年龄、户籍、工作总收入的分样本人群中存在差异性;Logit回归结果高于PSM结果,高估了商业保险降低健康相对贫困的作用;健康状况对商业保险降低健康相对贫困发生的能力起负向调节作用、学历起正向调节作用。

Objective Based on the current situation that the focus of anti-poverty governance in China has shifted from“absolute poverty governance”to“relative poverty governance”,this paper explores whether commercial insurance has the effect of alleviating relative health poverty in health program for poverty alleviation.Methods The database of China Family Panel Studies(CFPS)in 2018 was used,and the analysis was conducted by logistic regression,propensity score matching(PSM)and moderating effect model.Results The regression coefficient of commercial insurance on relative health poverty was-1.085,and the incidence of relative health poverty decreased by 66.14%.Conclusions Commercial insurance significantly reduces the incidence of relative health poverty.There are differences in age,registered residence,and total work income among sample groups.The results of logistic regression are higher than the PSM results,overestimating the role of commercial insurance in reducing relative health poverty.Health status has a negative moderating effect on the ability of commercial insurance to reduce the occurrence of relative health poverty,while education has a positive moderating effect.