摘要
基于中国家庭金融调查数据,文章研究了农村医疗救助制度对多维贫困的影响及其背后的机制。我们发现,农村医疗救助制度有效缓解了绝对贫困,但对多维贫困的改善有限。商业健康保险与制度的协同效应未能显著缓解多维贫困。制度的不完善导致家庭挤出了净资产和人力资本,扩大了消费不平等,限制了其在缓解多维贫困中的作用。制度未引发严重的事前道德风险,而医疗费用的增加既反映了事后道德风险,也是医疗需求释放的结果。制度对多维贫困的影响在不同健康状况和年龄结构家庭之间存在异质性。研究为农村医疗救助制度的完善提供了政策启示。
Based on data from the Chinese Household Finance Survey(CHFS),this article investigates the impact of the rural medical assistance system on multidimensional poverty and the mechanism behind it.We find that the rural medical assistance system effectively alleviates absolute poverty,but has limited improvement on multidimensional poverty.The synergistic effect of commercial health insurance and rural medical assistance system has not significantly alleviated multidimensional poverty.The imperfection of the system has led households crowd out net assets and human capital,widening consumption inequality,and limiting its role in alleviating multidimensional poverty.The system has not caused serious exante moral hazard,while the increase in medical expenses reflects both ex-post moral hazard and the result of the release of medical demand.The impact of rural medical assistance system on multidimensional poverty varies heterogeneously among families with different health conditions and age structures.The research provides policy insights for the improvement of the rural medical assistance system.
作者
陶纪坤
张胜杰
TAO Jikun;ZHANG Shengjie(School of Public Administration,Nanjing University of Finance and Economics,Nanjing,210023)
出处
《中国经济问题》
北大核心
2025年第2期132-147,共16页
China Economic Studies
基金
国家社会科学基金重大项目(19ZDA116)。
关键词
农村医疗救助制度
多维贫困
补偿效应
侵蚀效应
道德风险
rural medical assistance system
multidimensional poverty
compensation effect
erosion effect
moral hazard
