贵州财经大学学报

贵州财经大学学报 ›› 2021 ›› Issue (02): 80-89.

• 贫困与发展 • 上一篇    下一篇

城乡医保统筹对居民医疗负担的影响——基于城乡差别的视角

常雪1, 苏群2, 谢浩然3   

  1. 1. 南京财经大学 经济学院, 江苏 南京 210023;
    2. 南京农业大学 经济管理学院, 江苏 南京 210095;
    3. 中山大学 马克思主义学院, 广东 广州 510275
  • 收稿日期:2020-09-14 出版日期:2021-03-15 发布日期:2021-03-22
  • 作者简介:常雪(1990-),女,河北唐山人,博士,讲师,研究方向为农业经济和社会保障;苏群(1968-),女,宁夏银川人,教授,博士生导师,研究方向为农业经济和社会保障;谢浩然(1995-),男,江西宁都人,硕士,研究方向为社会保障。
  • 基金资助:
    国家社会科学基金重大项目“新时代我国农村贫困性质变化及2020年后反贫困政策研究”（19ZDA116）；教育部人文社科研究项目“中国农村社会分层与代际收入流动性研究”（17YJC630008）。

The Influence of Urban and Rural Medical Insurance System on the Medical Burden of Residents—Based on the Difference in Urban and Rural Areas

CHANG Xue1, SU Qun2, XIE Hao-ran3   

  1. 1. School of Economics, Nanjing University of Finance and Economics, Nanjing, Jiangsu 210023, China;
    2. College of Economics and Management, Nanjing Agricultural University, Nanjing, Jiangsu 210095, China;
    3. School of Marxism, Sun Yat-sen University, Guangzhou, Guangdong 510275, China
  • Received:2020-09-14 Online:2021-03-15 Published:2021-03-22

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摘要： 利用2014年和2016年的中国劳动力动态调查数据，运用双重差分模型分析城乡医保统筹制度对居民医疗负担的影响。结果显示，推行城乡医保统筹制度会促进农村低收入居民的医疗服务利用，但并不影响该群体医疗支出占家庭总支出的比重，医保统筹政策减轻了农村中等收入居民的医疗负担，而农村高收入群体和城镇居民受经济约束程度较低，医疗消费几乎不受医保政策的影响。按医疗支出分组的回归结果还表明，城乡医保统筹并不能为重病户分担就医压力。从政策制定的角度，应当重点关注贫困和重疾病家庭，减轻重负担人群的就诊压力，避免因病致贫的发生。

关键词: 城乡医保统筹, 医疗负担, 双重差分模型

Abstract: Based on the Chinese Labor-force Dynamic Survey data in 2014 and 2016, this paper built the difference-in-difference model to analyze the impact of Urban and Rural Medical Insurance System on the medical burden of urban and rural residents. The results show that the implementation of the Urban and Rural Medical Insurance System will increase the medical expenditure of low-income rural residents rather than share of the medical expenditure in total expense. The policy has reduced the medical burden of middle-income rural residents. However, high income community and urban residents are less subject to economic constraints, their medical consumption is hardly affected by the medical insurance. the improvement of medical insurance treatment has alleviated the medical burden of the medium-to-income rural residents. The regression results by medical expenditure group also show that the current medical insurance system could not share the pressure of medical treatment for families with heavy medical burden. Therefore, from the perspective of policy making, we should improve the medical insurance treatment for serious diseases and reduce the pressure of medical treatment for people with heavy burden to avoid the occurrence of poverty caused by diseases.

Key words: urban and rural medical insurance system, medical burden, difference-in-differences model

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