摘要
本文建立Tobit模型,研究健康状况对家庭金融资产选择的影响,并对健康状况的作用机制进行分析。研究结果表明,居民的客观健康状况对金融资产持有量的影响不显著;居民主观健康状况对城市和农村居民金融资产持有均具有显著的负向影响。户主的年龄、参与医保决策能够在一定程度上解释城镇和农村户主健康风险的影响。
In this paper, we analyze whether and how health factors affect household financial assets using Tobitmodels.Results of this paper indicate：The objective health status of residents has no significant impact on the financial assets holdings; residents＇ subjective health status has a significant negative impact on the urban and rural residents＇ financial assets. Age of head of household, participation in medical insurance policy can explain the influence of urban and rural household＇s health risk to a certain extent.
出处
《浙江金融》
2016年第7期16-22,共7页
Zhejiang Finance
基金
四川旅游学院校级科研基金项目"健康中国视角下中国居民健康状况与家庭金融资产配置研究--基于Tobit模型的实证"(批准号2016STUS10)
关键词
健康状况
金融资产
影响机制
Health Status
Financial Assets
Influence Mechanism
