城镇居民医疗保险制度的反贫困效果研究

江西财经大学学报 ›› 2021, Vol. 0 ›› Issue (2): 66-79.

城镇居民医疗保险制度的反贫困效果研究

顾鑫, 周延, 张旭

华东师范大学经济与管理学部,上海 200062

收稿日期:2019-08-26 修回日期:2020-09-27 出版日期:2021-03-25 发布日期:2021-03-25
通讯作者: 顾鑫,华东师范大学博士研究生,主要从事医疗保险扶贫与社会保障研究,联系方式51164401017@stu.ecnu.edu.cn;
作者简介:周延,华东师范大学教授,博士生导师,经济学博士,主要从事社会保障与风险管理研究;张旭,华东师范大学博士研究生,主要从事社会保障与银行风险管理研究。
基金资助:
上海市社会科学规划一般项目“大病保险的减贫与抑制‘返贫’效应研究”（2020BGL020）

A Study of the Anti-Poverty Effect of the Medical Insurance for Urban Residents

GU Xin, ZHOU Yan, ZHANG Xu

East China Normal University, Shanghai 200062, China

Received:2019-08-26 Revised:2020-09-27 Online:2021-03-25 Published:2021-03-25

摘要/Abstract

摘要： 通过构建理论模型说明医疗保险反贫困的有效性,并基于中国健康与养老追踪调查数据和倾向得分匹配方法,就贫困广度、深度和脆弱性等多个方面对城镇居民医保的反贫困效果进行综合评估。研究发现：医疗保险政策能够增加参保者的医疗消费,有助于改善其健康状况,从而起到积极的减贫效果;实践中城镇居民医保政策对贫困广度和深度的影响不显著,对贫困脆弱性有显著的负效应,使贫困脆弱性减少5%~8.5%,对受到大病冲击的家庭,在抑制因病致贫问题上起到了有效的缓解作用,但对受到慢性病困扰的家庭,其减贫效果有限,精准性与预期存有差距。

关键词: 城镇居民医保, 反贫困, 贫困广度, 贫困深度, 贫困脆弱性

Abstract: This paper establishes a theoretical model to illustrate the effectiveness of anti-poverty of medical insurance. Based on the data of China Health and Aging Trace Survey and adopting the propensity score matching method, it conducts a comprehensive evaluation of the anti-poverty effect of China’s Urban Resident Basic Medical Insurance (URBMI) in terms of the range, depth and vulnerability of poverty. The results show that the medical insurance policy can increase the medical consumption of the participants and help to improve their health status, which can play a positive role in poverty reduction. In practice, the impact of the URBMI policy on the range and depth of poverty is not significant, while it has significant negative effect on the poverty vulnerability, reducing the vulnerability by 5-8.5%. It has also played an effective role in alleviating the impact of serious diseases on the households who suffered from catastrophic diseases; but for the households suffering chronic diseases, its effect of poverty reduction is limited, there is a gap between the accuracy and expectation.

Key words: medical insurance for urban resident, anti-poverty, poverty breadth, poverty depth, vulnerability to poverty

中图分类号:

F840.613

顾鑫, 周延, 张旭. 城镇居民医疗保险制度的反贫困效果研究[J]. 江西财经大学学报, 2021, 0(2): 66-79.

GU Xin, ZHOU Yan, ZHANG Xu. A Study of the Anti-Poverty Effect of the Medical Insurance for Urban Residents[J]. Journal of Jiangxi University of Finance and Economics, 2021, 0(2): 66-79.

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