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    Healthcare Consumption among Chinese Residents: Total Expenditure and Inequality — An Analysis from the Income Sources Perspective
    Tao Chun-hai, Leng Wen-jie, Wu Shi-mei
    Journal of Jiangxi University of Finance and Economics    2026, 0 (2): 60-72.  
    Abstract13)            Save
    Exploring the relationship between residents'healthcare consumption, inequality, and income from different sources from the perspective of income sources is of great practical significance for the implementation of the“Healthy China”strategy. Based on the theory of psychological accounts, this study examines the impact of different income sources on healthcare consumption and inequality among Chinese residents. Research has found that the residents'transfer income and property income have a greater impact on healthcare consumption than their operating income and wage income. The type of work and education level of residents have a moderating effect on their marginal propensity to consume healthcare. In addition, whether the residents'transfer income includes social donations, and whether their property income includes financial investment returns, also have heterogeneous effects on their marginal propensity to consume healthcare. Medical expenses mainly manifest as the depreciation effect of health capital, while healthcare expenses mainly manifest as the income wealth effect. All types of income contribute to narrowing the inequality in healthcare consumption, but the level of inequality within urban residents is still higher than that among rural residents. The government should dynamically adjust the transfer payment standards based on the heterogeneity of income sources and guide the allocation of health financial assets. At the same time, by improving health literacy and optimizing the layout of medical resources, the gap between urban and rural areas should be precisely narrowed to promote consumption equality.
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    Can Smart and Healthy Elderly Care Products Make Seniors “Feel Younger”? Evidences from the Longitudinal Survey of the Aging Society
    Zhang Shuo, Zhao Ming, Hu Hao-yu
    Journal of Jiangxi University of Finance and Economics    2026, 0 (1): 75-87.  
    Abstract34)            Save
    Against the backdrop of deep integration between digital intelligence and aging, promoting the high-quality development of smart and healthy elderly care products is a crucial measure to achieve the digital transformation of elderly care, foster the silver economy, and enhance the quality of life for the elderly. Based on the three phases of panel data from the China Aging Social Tracking Survey (2018-2023), this study empirically examines the impact of smart and healthy elderly care products on older adults' aging age identity. The findings reveal that such products can significantly improve the aging age identity among the elderly, with more pronounced effects among middle-aged and low-aged groups, women, urban residents, and those with better self-rated health. The mediation effect tests indicate that smart and healthy elderly care products can indirectly promote the formation of the positive aging age identity by enhancing individuals' self-efficacy and fostering social participation. Further analysis shows that health management and elderly care monitoring smart products play a significant positive role in shaping positive aging age identity, with a clear“cumulative effect”—the more products used, the more positive the aging age identity of the elderly. Therefore, in advancing the demonstration and pilot projects of smart and healthy elderly care, efforts should be coordinated on both supply and demand sides. While promoting the construction of the supply-side industrial chain and improving product quality, it is essential to strengthen the elderly's awareness of product usage and digital literacy on the demand side.
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    Ability Convergence by Data: Data Factor Sharing and Corporate Social Security Payment Compliance
    Li Cong, Zheng Ya-jie, Kong Dong-min
    Journal of Jiangxi University of Finance and Economics    2025, 0 (5): 47-60.  
    Abstract55)            Save
    In the context of an aging population, facilitating the flow of data factor and encouraging enterprises to leverage public data to optimize contribution management are crucial for the sustainable development of the social security system. Taking A-share listed companies from 2007 to 2022 as samples, this study conducted a quasi natural experiment on the phased promotion of public data open platforms by local governments. A multi period double difference model is used to empirically test the impact and mechanism of data element sharing on corporate social security payment compliance. The findings reveal that data factor sharing can significantly enhance corporate social security payment compliance, and the higher the quality of data openness, the more helpful it is to improve the compliance of enterprises with social security contributions. In terms of the mechanism, data element sharing mainly promotes the improvement of corporate social security payment compliance through three paths: supervision effect, incentive effect, and empowerment effect. The heterogeneity analysis shows that there are significant differences in the improvement of corporate social security payment compliance through data element sharing in terms of corporate property rights and wage costs. The expansion test shows that data element sharing can significantly alleviate the difference in payment burden between enterprises and promote fairness in social security payment. Therefore, it is necessary to further improve the policy of public data openness and continuously utilize data elements to promote the sustainable development of the social security system.
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    How Can Mutual-Aid Promote Common Health? Outpatient Cost-Sharing of Basic Medical Insurance for Employees and Health Inequality
    Chen Wei, Zhang Xin-jie
    Journal of Jiangxi University of Finance and Economics    2025, 0 (5): 61-75.  
    Abstract77)            Save
    Outpatient cost-sharing of basic medical insurance for employees is an inherent requirement for achieving national health. Based on the data from the China Health and Retirement Longitudinal Study from 2011 to 2020, this study empirically examines the impact of employee medical insurance outpatient mutual assistance on health inequality among middle-aged and elderly people by using methods such as the staggered double difference model, and further explores its mechanism and moderating effect. The findings show that employee medical insurance outpatient mutual assistance significantly alleviates health inequality among middle-aged and elderly people, but this alleviation effect is only reflected in the first year after policy implementation, and middle-aged and elderly people have not been able to continue to benefit. The mechanism analysis shows that employee medical insurance outpatient mutual assistance can further alleviate health inequality by leveraging the compensation effect of medical expenses and the incentive effect of health behavior. The moderation effect analysis reveals that the structural social capital will weaken the alleviating effect of employee medical insurance outpatient mutual assistance on health inequality. The heterogeneity analysis shows that the alleviation effect of outpatient cost-sharing of basic medical insurance for employees on health inequality is more pronounced in the female, elderly, and low education groups. Therefore, it is necessary to establish a dynamic adjustment mechanism for outpatient treatment, play the role of outpatient “health gatekeepers”, cultivate social capital of vulnerable groups in the middle-aged and elderly, and build a precise identification mechanism for outpatient mutual assistance, so as to promote the reform of employee medical insurance outpatient mutual assistance and release the dividends of common health.
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    Regional Differences, Distribution and Dynamic Evolution of Agricultural Insurance Development in China: From the Perspective of High-Quality Development
    Wang Ru-yi, Tao Jian-ping, He Juan
    Journal of Jiangxi University of Finance and Economics    2025, 0 (4): 48-60.  
    Abstract129)            Save
    Based on the horizontal indicator system, the high-quality development level of agricultural insurance in 30 provinces from 2008 to 2021 is measured, and the regional differences, spatial structural changes, and dynamic evolution characteristics of China’s high-quality development level of agricultural insurance are revealed by using Dagum Gini coefficient, Kernel density function estimation, traditional Markov chain and spatial Markov chain. The findings show that the high-quality development level of agricultural insurance in China is steadily increasing, with the western region experiencing a faster growth rate of 0.5% per year. The regional differences in the high-quality development level of agricultural insurance in China are showing a downward trend, with regional differences and hyperdensity being the main reasons for regional differences, the contribution rate of both being over 66%. There is a phenomenon of “club convergence” in the development of agricultural insurance in China, and the development of agricultural insurance in various provinces has significant spatial spillover effects. The probability of regional agricultural insurance achieving “leapfrog” development is less than 3%. The “Matthew effect” of China’s future agricultural insurance development is showing a continuous weakening trend and is gathering towards a high-level development level. Therefore, it is necessary to adapt measures to local conditions, improve differentiated development policies for agricultural insurance, establish a multi-level and high guarantee agricultural insurance product system, vigorously promote the development of local advantageous and characteristic agricultural insurance businesses, promote balanced development of regional agricultural insurance, and continuously enhance the endogenous development momentum of agricultural insurance.
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    Research on the National Pension System Connecting Resident Pension and Employee Pension to Promote National Pension Security
    Gao Kai, Hu Qiu-ming
    Journal of Jiangxi University of Finance and Economics    2025, 0 (4): 61-74.  
    Abstract96)            Save
    Based on the structural problems and reform directions of China’s present multi-level pension insurance, it is believed that the national annuity system can find a perfect balance between the stock reform and incremental reform of the basic pension insurance system integration. Comparing the differences between the supplementary national pension system and the welfare based national pension system, in the future, China’s national pension system should implement a welfare based national pension system, committed to providing compulsory and income independent universal pension security for all citizens. By establishing actuarial models and conducting numerical simulations, it is found that the construction of the national pension system can achieve the goal of promoting the integration of urban and rural basic pension insurance systems, covering basic pension security to the whole population, and promoting government financial support to reduce costs and improve efficiency. In addition, the national pension system also helps to solve the problem of pension security for flexible employment groups, narrow the gap between urban and rural pension insurance benefits, provide more efficient pension support models for government finance, and promote a more fair and sustainable development of a multi-level pension insurance system.
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    The Impact of Contracted Family Doctor Services on the Health of Older Adults: The Latest Evidences from CLASS
    Ma Qi-feng, Sun Ke-xin, Xie Li-li
    Journal of Jiangxi University of Finance and Economics    2025, 0 (3): 50-62.  
    Abstract114)            Save
    Based on the data from the 2023 China Longitudinal Aging Social Survey (CLASS), this study empirically examines the impact of family doctor contract services on the health of the elderly, and analyzes its mechanism of action and differences in the impact. The findings show that family doctor contract services can effectively promote the physical health of elderly people, but do not significantly improve their mental and social health. The mechanism analysis reveals that family doctor contract services mainly function through two pathways: Improving health behaviors in later life and promoting the utilization of health services. The heterogeneity analysis reveals that the older people with registered residence in cities and towns, with more chronic diseases, with poorer self-care ability, and having access to the Internet can obtain more health performance after receiving the services signed by family doctors; and the elderly with higher service satisfaction will also obtain more health performance. Based on this, in order to further improve the health performance of family doctor contract services among the elderly population, it is suggested that the future related work should be promoted from four aspects: Expanding service supply, strengthening service links, optimizing service structure, and strengthening service supervision.
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    The Social Insurance System for Platform Workers: International Experience and China’s Path
    Qiu Yi-yi
    Journal of Jiangxi University of Finance and Economics    2025, 0 (3): 63-72.  
    Abstract92)            Save
    The social insurance system for platform workers has not been fully developed with the expansion of the platform economy, and the resulting lack of rights and interests has attracted widespread attention and various explorations at the level of legislative practice in various countries. China also faces this kind of challenge. For this reason, it is necessary to systematically analyze and summarize the international community’s various institutional explorations on the issue of social insurance for platform workers from an international perspective. This paper selects four representative policies or legislative models for an in-depth analysis. On the basis of summarizing the common international experiences and dilemmas, and by comprehensively sorting out the current situation of the social insurance system for platform workers, this study puts forward optimization proposals for the construction of China’s social insurance system for platform workers, including making reference to the “delinking model of social insurance and labor relations”, clarifying the demands of social insurance participants, innovating the content of the social insurance system and improving the legal system and supervision mechanism.
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