公费医疗对老年人预防性储蓄动机的影响研究

发布时间：2018-04-15 09:22

  本文选题：公费医疗 + 预防性储蓄　； 参考：《新疆社会科学》2017年05期

【摘要】：文章结合预防性储蓄理论,采用中国健康营养调查数据,研究是否享受公费医疗对我国老年人储蓄行为的影响。发现:医疗支出是老年人晚年生活的重要支出;我国的老年人有很强的预防性储蓄动机;预防性储蓄主要是为了应对医疗的不确定性;享受公费医疗的老年人在经济条件上,相比一般老年人,拥有更充足的流动性支持。基于以上发现,文章提出政府应在改革和完善医疗保险制度的过程中,着重提高老年人医疗保障水平,为老年人提供更为确定的医疗保障预期,促进老年人减少预防性储蓄,这将有利于老年人充分享受改革发展的社会经济成果。
[Abstract]:Based on the precautionary saving theory and the data of China Health Nutrition Survey, this paper studies the effects of public health care on the savings behavior of the elderly in China.It is found that medical expenditure is an important expenditure for the elderly in their old age; the elderly in our country have strong precautionary saving motivation; the precautionary saving is mainly to deal with the uncertainty of medical treatment; the elderly who enjoy public medical treatment are in economic conditions.There is more mobility support than the average elderly.Based on the above findings, the paper puts forward that the government should, in the process of reforming and perfecting the medical insurance system, focus on raising the level of medical security for the elderly, providing a more definite medical security expectation for the elderly, and promoting the elderly to reduce their preventive savings.This will be conducive to the elderly to fully enjoy the socio-economic fruits of reform and development.
【作者单位】： 中国人民大学人口与发展研究中心;中国人民大学老年学研究所;山东工商学院公共管理学院;
【基金】：教育部人文社科重点研究基地重大项目“面向全面小康社会的老年长期照料体系研究”(16JJD840012)的阶段性研究成果
【分类号】：C913.6;R197.1
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本文编号：1753507