商业健康保险、信贷参与对农户家庭经济韧性:促进还是抑制？

贵州财经大学学报 ›› 2025 ›› Issue (01): 71-79.

• 金融经济 • 上一篇

商业健康保险、信贷参与对农户家庭经济韧性:促进还是抑制？

张春敏, 王亚宁, 陈雪娇

中央民族大学经济学院, 北京 100081

收稿日期:2024-04-22 发布日期:2025-02-25
作者简介:张春敏(1972—)(通信作者),男,河北青龙满族自治县人,教授、博士生导师,北京市习近平新时代中国特色社会主义思想研究中心中央民族大学研究基地特约研究员,研究方向为数字经济、民族经济学;王亚宁(2001—),女,河北邯郸人,中央民族大学经济学院硕士研究生,研究方向为信贷保险、数字经济;陈雪娇(1992—),女,河北唐山人,博士,中央民族大学经济学院助理教授、硕士生导师,主要研究方向为投资组合、风险决策。
基金资助:
国家社会科学基金社科学术社团学术研究项目“数字经济推进兴边富民的逻辑、机制与政策研究”(24SGC089)。

Commercial Health Insurance, Credit Participation, and Household Economic Resilience: Promotion or Suppression?

ZHANG Chunmin, WANG Yaning, CHEN Xuejiao

School of Economics, Minzu University of China, Beijing 100081, China

Received:2024-04-22 Published:2025-02-25

摘要/Abstract

摘要： 商业健康保险在中国医疗保险体系中扮演着重要角色,但与国际先进水平相比仍有差距,特别是在满足个性化需求和产品创新方面。商业信贷在农村经济中的作用被广泛认可,但其在风险分担和风险管理中的关键作用尚未得到充分研究。本文通过构建多重均衡模型,对商业健康保险、信贷参与的路径依赖进行了深入分析,实证探究了不同情形下对农户家庭经济韧性的影响作用,结果表明,商业健康保险显著增强了农户家庭经济韧性,而单独的信贷参与在接近临界资本水平时发挥作用,“商业健康保险+信贷参与”显示出比单独商业健康保险更强的减贫效果,尤其对刚脱离贫困陷阱的家庭。这为制定精准的农村金融政策和推进共同富裕战略提供了新的视角和重要依据。

关键词: 商业健康保险, 信贷参与, 农户家庭经济韧性, 多重均衡理论, 中国家庭金融调查(CHFS) F832.4

Abstract: Commercial health insurance plays an important role in China's medical insurance system, but there is still a gap compared with the international advanced level, especially in meeting personalized needs and product innovation. The role of commercial credit in the rural economy is widely recognized, but its key role in risk sharing and risk management has not been fully studied. This paper analyzes the path dependence of commercial health insurance and credit participation by constructing a multiple equilibrium model. The empirical study explores the impact of different situations on the economic resilience of rural households.Individual credit participation plays a role near the critical capital level. Individual credit participation plays a role near the critical capital level.'Commercial health insurance and credit participation' shows a stronger poverty reduction effect than individual commercial health insurance, especially for families who have just graduated from the poverty trap. This provides a new perspective and important basis for formulating accurate rural financial policies and promoting the strategy of common prosperity.

Key words: commercial health insurance, credit participation, household economic resilience, multiple equilibrium theory, China household finance survey (CHFS)

中图分类号:

张春敏, 王亚宁, 陈雪娇. 商业健康保险、信贷参与对农户家庭经济韧性:促进还是抑制？[J]. 贵州财经大学学报, 2025(01): 71-79.

ZHANG Chunmin, WANG Yaning, CHEN Xuejiao. Commercial Health Insurance, Credit Participation, and Household Economic Resilience: Promotion or Suppression?[J]. Journal of Guizhou University of Finance and Economics, 2025(01): 71-79.

参考文献

[1] Uplekar M,Pathania V,Raviglione M.Private Practitioners and Public Health:Weak Links in Tuberculosis Control[J].The Lancet,2001,358(9285):912~916.
[2] Vo T T,Van P H.Can Health Insurance Reduce Household Vulnerability? Evidence from Viet Nam[J].World Development,2019,124:104645.
[3] Gertler P,Gruber J.Insuring Consumption Against Illness[J].American Economic Review,2002,92(1):51~70.
[4] Damme W V,Leemput L V,Por I,et al.Out-of-Pocket Health Expenditure and Debt in Poor Households:Evidence from Cambodia[J].Tropical Medicine & International Health,2004,9(2):273~280.
[5] Liu K.Insuring Against Health Shocks:Health Insurance and Household Choices[J].Journal of Health Economics,2016,46:16~32.
[6] Banthin J S,Bernard D M.Changes in Financial Burdens for Health Care:National Estimates for the Population Younger than 65 Years,1996 to 2003[J].Jama,2006,296(22):2712~2719.
[7] 张笑寒,邹坤.收入不确定性与农村居民基本养老保险参与——基于生命周期模型的研究[J].统计学报,2023(4):83~94.
[8] 刘雪颖,王亚柯.商业健康保险对家庭风险金融资产投资的影响研究 [J].财贸研究,2021(5):49~61.
[9] 王定祥,田庆刚,李伶俐,等.贫困型农户信贷需求与信贷行为实证研究 [J].金融研究,2011(5):124~138.
[10] 闫啸,牛荣.农户借贷对收入增长的影响:1771个农户样本 [J].改革,2017(10):105~113.
[11] 张海洋,颜建晔.精准扶贫中的金融杠杆:绩效和激励 [J].经济学(季刊),2020(5):193~212.
[12] Morduch,J.,and B.Armendariz,The Economics of Microfinance[M].Cambridge:MIT Press,2005.
[13] 宋凌峰,马莹,肖雅慧.农业生产波动视角下农业信贷、保险对农业经济的协同效果研究 [J].华中农业大学学报(社会科学版),2023(2):34~45.
[14] 陈巍,蒋远胜.涉农信贷、农业保险与农村居民收入增长——基于资本流动视角的实证检验 [J].财经理论与实践,2023(1):26~33.
[15] 廖朴,吕刘,贺晔平.信贷、保险、"信贷+保险"的扶贫效果比较研究 [J].保险研究,2019(2):63~77.
[16] Liao P,Zhou X,Fan Q.Does Agricultural Insurance Help Farmers Escape the Poverty Trap? Research Based on Multiple Equilibrium Models[J].The Geneva Papers on Risk and Insurance-Issues and Practice,2020,45:203~223.
[17] Janzen S A,Carter M R,Ikegami M.Can Insurance Alter Poverty Dynamics and Reduce the Cost of Social Protection in Developing Countries?[J].Journal of Risk and Insurance,2021,88(2):293~324.
[18] Chaudhuri S,Jalan J,Suryahadi A.Assessing Household Vulnerability to Poverty from Cross-Sectional Data:A Methodology and Estimates from Indonesia[R].Working Paper,2002.
[19] Gottlieb D,Fruman A.A Quality-Index of Poverty Measures[J].ECINEQ working.,2011,239.
[20] 樊丽明,解垩.公共转移支付减少了贫困脆弱性吗? [J].经济研究,2014(8):67~78.
[21] 黄薇.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 [J].经济研究,2017(9):117~132.
[22] 周钦,袁燕,臧文斌.医疗保险对中国城市和农村家庭资产选择的影响研究 [J].经济学(季刊),2015(3):931~960.
[23] 张刘晋,马文雯,张加良,等.商业健康保险与基本医疗保险融合发展的国际经验及启示 [J].卫生经济研究,2023(3):61~64.
[24] 王轶,刘蕾,武青远.正规信贷供给方式与农村地区共同富裕 [J].金融经济学研究,2022(1):118~134.

商业健康保险、信贷参与对农户家庭经济韧性:促进还是抑制？

Commercial Health Insurance, Credit Participation, and Household Economic Resilience: Promotion or Suppression?

PDF

可视化

摘要/Abstract

引用本文

使用本文

参考文献

相关文章 1

编辑推荐

Metrics

本文评价