摘要
医疗保险覆盖下,家庭可能会减少预防性储蓄量,同时也可能会调整资产结构。目前已有不少关于医疗保险与家庭消费关系的研究,但鲜有文献研究医疗保险与家庭资产结构的关系。利用2002年中国居民家庭收入调查(CHIPS)数据,本文探究了医疗保险对家庭资产选择的影响。我们发现医疗保险会显著改变城市和农村家庭的资产选择,参保家庭更加偏好较高风险水平的资产。本文的研究对于理解不确定性下的家庭投资行为具有重要的理论与实践意义。
Under health insurance converge, households may reduce their precautionary saving and adjust their portfolio allocation. In the theoretical framework of precautionary sav- ing, it has been found that health insurance promotes households＇ consumptions in China, but few papers have investigated the effect of health insurance on the structure of households＇ assets. Using 2002 Chinese Household Income Project Survey （CHIPS）, we explore the effect of health insurance on portfolio choices by rural and urban households respectively. We find that health insurance has significant effects on portfolio choices in urban and rural areas. The insured households prefer to assets with higher risk more than households without insur- ance. This study has theoretical and practical significance in understanding the households＇ in vestment behavior under uncertainty.
出处
《经济学（季刊）》
CSSCI
北大核心
2015年第2期931-960,共30页
China Economic Quarterly
基金
中国博士后科学基金面上资助项目"‘均等化’制度设计下的医保公平性问题研究"(2014M560830)
教育部人文社会科学基金项目"我国农村留守儿童的健康与教育研究"(11YJC790257)的支持
关键词
医疗保险
资产选择
预防性储蓄
Health Insurance, Portfolio Choice, Precautionary Saving
作者简介
通信作者及地址：臧文斌，四川省成都市青羊区光华村街55号西南财经大学公共管理学院，810074；电话：（028）87092287；E-mail：zangwenbin@swufe．edu．cn。
