医保政策精准扶贫效果研究——基于URBMI试点评估入户调查数据
阅读全文
下载全文 |
| Title | The Impact of Public Health Insurance Policies on Targeted Poverty Alleviation: Based on the URBMI Survey Data
|
| 作者 | 黄薇 |
| Author | Huang Wei |
| 作者单位 | 对外经济贸易大学保险学院 |
| Organization | School of Insurance, University of International Business and Economics |
| 作者Email | feifeicool@126.com |
| 中文关键词 | 城镇居民基本医疗保险 收入 精准扶贫 目标上移 |
| Key Words | Urban resident basic medical insurance; Income; Targeted poverty alleviation; Target up |
| 内容提要 | 随着我国全民医保制度的基本建立，医保政策成为保障城乡低收入人群、防止家庭因病致贫、因病返贫的重要方法。本文基于精准扶贫的视角并以家庭为考察对象，采用处理效应模型首次对现有城镇居民基本医疗保险制度（城居保）的扶贫效果进行了综合评估，并对大病冲击下城居保对不同阶层的收入影响及其滞后效应进行了动态分析。研究发现，城居保政策对低收入城镇家庭具有明显的扶贫效果，尤其是对受到大病风险冲击的困难家庭，在避免出现因病致贫、因病返贫问题上能够起到显著的缓解作用，而且这种作用随着时间延续并通过影响家庭教育培训支出和劳动力健康状况还有进一步增强的趋势，但其扶贫效果在不同收入家庭具有明显的异质性特征，对中高收入参保家庭的影响尤甚，出现了“目标上移”现象，扶贫的精准性与预期存有差距，这为未来的精准扶贫工作指明了进一步改进方向。 |
| Abstract | With the establishment of universal medical insurance system in China, the public health insurance policies have become an important method to prevent the low-income population from poverty due to illness. Taking the perspective of the targeted poverty alleviation, this paper is the first work to evaluate the impact of urban resident basic medical insurance (URBMI) on poverty by using the treatment effect model. In addition, this paper also performs dynamic analysis to test the income effect and the hysteresis effect of URBMI on households of different income levels in the shock of critical diseases. The results show that the URBMI can significantly alleviate poverty of low-income urban households, particularly those poor households who are suffering from the critical diseases. Furthermore, this positive anti-poverty impact of URBMI is magnified over time as a result of the indirect positive impact of URBMI on household education spending and household health status. However, the anti-poverty effects of URBMI are different on different income-level households. The middle and high income-level households appear to benefit more from URBMI than their low income-level counterparts do. This phenomenon of “target up” implies room for improvement in China’s “targeted poverty alleviation” strategy in the future. |
| 文章编号 | WP1275 |
| 登载时间 | 2018-05-29 |
|