大病保险对克服农村中老年群体多维贫困的影响——基于CFPS数据的实证分析

The Impact of Critical Illness Insurance on Multidimensional Poverty Among Rural Middle-Aged and Elderly People——An Empirical Analysis Based on CFPS

目的:从多维贫困角度考察大病保险对农村中老年群体的减贫效果。方法:基于中国家庭追踪调查(CFPS)三期面板数据,采用渐进双重差分法实证分析大病保险对农村中老年居民多维贫困的影响及其作用机制。结果:第一,大病保险使农村中老年群体的多维贫困指数显著降低了0.022,对样本多维贫困有明显抑制作用。第二,在中年、低收入群体和东部地区,大病保险产生的减贫效应更强。第三,削弱灾难性医疗支出的发生强度是大病保险减轻农村中老年人群多维贫困的主要路径。结论:大病保险有效减轻了农村中老年人群的多维贫困,但要进一步增强减贫效应,还需要从健全筹资机制、优化制度设计、加强政企合作、做好制度衔接等方面进行改进。

Objective:The paper explores the poverty reduction effect of critical illness insurance(CII) on rural middle-aged and elderly people from the perspective of multidimensional poverty.Method:Based on threeyear panel data of China Family Panel Studies(CFPS),this paper uses time-varying DID to analyze the impact of CII on multidimensional poverty among rural middle-aged and elderly residents and its mechanism.Results:First,CII significantly reduces the multidimensional poverty index by 0.022,which has an inhibitory effect on multidimensional poverty of the samples.Second,CII has a more significant poverty reduction effect on middleaged,low-income groups,and eastern samples.Third,reducing the intensity of catastrophic medical expenditures is the main path for CII to alleviate multidimensional poverty.Conclusion:CII has effectively alleviated multidimensional poverty of rural middle-aged and elderly people,however,in order to better play the role of CII,it is necessary to improve the financing mechanism,optimize the design of CII,promote the cooperation between government and enterprises,and strengthen the connection between systems.