| 新型农村合作医疗挤出了商业健康保险吗？——基于CHARLS数据的实证分析 |
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| 引用本文：李 放，章 蓉.新型农村合作医疗挤出了商业健康保险吗？——基于CHARLS数据的实证分析[J].湖南大学学报社会科学版,2022,(6):65-72 |
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| 中文摘要:基于中国健康与养老追踪调查（CHARLS）2013年和2018年数据，利用面板固定效应模型、双重差分倾向得分匹配法（PSM-DID模型）和面板门槛回归模型，本研究考察了新型农村合作医疗保险与商业健康保险之间的关系。研究结果表明，新型农村合作医疗保险的参加非但没有挤出农村居民购买商业健康保险，反而在总体上促进了商业健康保险的发展，并且这种促进作用随着居民收入水平的提高越来越显著。因此，商业保险公司应针对不同收入水平居民设计和基本医疗保险相衔接的商业健康保险产品，满足人们多样化的医疗保障需求。 |
| 中文关键词:新型农村合作医疗 中老年人 商业健康保险 挤出效应 |
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| Does the New Rural Cooperative Medical System Crowd out Commercial Health Insurance? ——An Empirical Study Based on CHARLS |
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| Abstract:Based on the longitudinal study panel data of China health and retirement in 2013 and 2018, this paper employs panel data fixed effect model, difference-in-difference based on propensity score matching method (PSM-DID model) and panel threshold model to investigate the differences in the relationship between the new rural cooperative medical system and commercial health insurance on different income levels. The results of the study show that the development of the new rural cooperative medical system has promoted the development of commercial health insurance in general and this promotive effect is growing with the increase of residents’ income level. The results show that the commercial insurance companies should design commercial health insurance products for people at different income levels to meet people’s diversified medical security needs at different economic stages, which will also be connected with the basic medical insurance. |
| keywords:the new rural cooperative medical system middle-aged and elderly people commercial health insurance extrusion effects |
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