摘要
基于2011—2019年中国家庭金融调查数据,使用双重差分法验证了整合型社会保险对居民家庭消费的影响。研究发现:整合型医疗保险显著释放了家庭短期消费,但效应随时间呈现先升后降的反向棘轮特征,整合型养老保险无显著影响;整合型医疗保险显著降低了家庭医疗负担,大幅促进了生存型、生活型、发展型和享乐型消费支出,且对农村居住家庭和原新农合家庭作用更大;健康状况和风险偏好对消费释放具有协同调节作用,健康状况越好、越偏好风险的家庭释放的消费越大;收入的调节作用不显著,即医保整合在促进消费方面的效应在不同收入家庭间无异质性。
Based on the data of China Household Finance Survey from 2011 to 2019, this paper verified the impact of integrated social insurance on residents’ household consumption by using the difference-in-difference model. We found that,integrated medical insurance has significantly released households’ short-term consumption, and the effect showed the reverse ratchet characteristics of first rising and then falling over time. But integrated pension insurance had no significant impact.Meanwhile, integrated medical insurance significantly reduced household medical burden, and greatly promoted the consumption expenditures of survival, life, development and pleasure, which also played a greater role in rural households and the households originally participating in the new rural cooperation medical system. Health status and risk preference had a synergistic regulating effect on consumption release. The families with better health status and a higher risk appetite could release greater consumption.Besides, the regulatory effect of income was not significant, and the promotion effect of medicare integration kept the same among the households with different incomes.
作者
张开然
胡鑫怡
ZHANG Kai-ran;HU Xin-yi(School of Publie Administration and Poliey,Renmin Universily of China,Beijing 100872,China)
出处
《山西财经大学学报》
CSSCI
北大核心
2022年第7期56-71,共16页
Journal of Shanxi University of Finance and Economics
基金
中国人民大学“中央高校建设世界一流大学(学科)和特色发展引导专项资金”(2021075)。
关键词
居民社会保险
家庭消费
学习型预期
反向棘轮
风险偏好
residents’social insurance
household consumption
learning expectation
reverse ratchet
risk appetite
作者简介
张开然(1995-),女,陕西西安人,中国人民大学公共管理学院博士研究生,主要研究方向是医疗保险与长期护理保险;胡鑫怡(1998-),女,安徽六安人,中国人民大学公共管理学院博士研究生,主要研究方向是养老保险与低收入。
