健康风险与城镇居民家庭消费

发布时间：2018-05-05 21:15

本文选题：预防性储蓄 + 健康风险　；参考：《经济研究》2014年05期

【摘要】：利用2009年"中国城镇居民经济状况与心态调查"数据,本文首次实证研究健康状况主观感受蕴含的健康风险信息对家庭消费的影响,同时探讨医疗保险的健康风险缓解和消费促进效应。发现的主要结论如下:户主自身的健康状况感受通常对家庭甚至低收入家庭的消费都没有显著负影响,但老年户主的健康状况感受却是家庭重要的健康风险来源;健康风险对家庭消费的影响主要源于除户主外的健康感受差的成员和老年成员,健康风险大的家庭人均总消费、食品和非食品消费均更低,家庭会通过调整非食品消费来稳定食品消费以应对消费的健康风险效应;医疗保险有助于缓解家庭的健康风险,促进家庭消费,特别是对于低收入家庭而言。
[Abstract]:Based on the data of "Economic situation and mentality Survey of Chinese Urban residents" in 2009, this paper makes the first empirical study on the impact of health risk information contained in subjective perception of health status on household consumption. At the same time, the health risk mitigation and consumption promotion effect of medical insurance are discussed. The main conclusions are as follows: the health state feeling of the head of household has no significant negative effect on the consumption of the household or even the low-income family, but the health state feeling of the elderly head of household is the important health risk source of the family; The impact of health risk on household consumption was mainly due to poor health perception and elderly members except heads of household. Households with higher health risks had lower per capita total consumption and lower food and non-food consumption. Families stabilize food consumption by adjusting for non-food consumption to cope with the health risk effects of consumption; health insurance helps mitigate health risks and promotes household consumption, especially for low-income families.
【作者单位】：中山大学岭南学院;
【基金】：国家自然科学基金重点项目(712310008) 教育部人文社会科学规划基金项目(11YJA790042) 广东省人文社会科学研究基地重大项目(11JDXM79001)的资助
【分类号】：R195;F126

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