中国居民的健康风险平滑机制研究

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中国居民的健康风险平滑机制研究

Research on Health Risk Smoothing Mechanisms of Chinese Residents

作者：

牟俊霖

关键词：

医疗保险保险改革研究中国

出版日期：2015-12-01

ISBN：978-7-5161-6024-4

页数：343

点击量：6

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内容简介
书籍目录
参考文献

内容简介

本书根据医疗服务的私人物品属性和公共物品属性，研究了中国居民和政府在应对健康风险中取得的成就和存在的问题。我们发现，中国居民能够通过生命周期中的储蓄、短期预防性储蓄、增加未遭受健康风险冲击的家庭成员的劳动供给、增加家庭转移支付、增加向村庄或社区内其他家庭的借贷等方式，积极应对健康风险冲击，而中国政府提供的医疗保险也在一定程度上提高了居民抵御健康风险的能力，但是仍然存在以下四个方面的问题：第一，中老年居民抵御健康风险的难度较大；第二，贫困居民抵御健康风险的能力较弱；第三，居民抵御大病健康风险冲击的能力不足；第四，医疗保险的筹资和医疗资源的利用存在一定程度的不平等。我们认为，居民能够依靠其自身能力解决的健康风险问题应当由居民自己解决，居民不能依靠其自身能力解决的健康风险问题应当由政府协助解决。我们建议，政府提供的医疗保险应当向中老年居民、贫困居民以及重大疾病倾斜，并促进医疗保险筹资和医疗资源利用的公平性。

This book examines the achievements and problems of Chinese residents and the government in coping with health risks based on the private and public good properties of health care services. We find that Chinese residents are able to actively cope with health risk shocks through life-cycle savings, short-term precautionary savings, increased labor supply for family members who have not suffered from health risk shocks, increased household transfers, and increased borrowing from other households in villages or communities, and that the health insurance provided by the Chinese government has to some extent improved residents' ability to withstand health risks, but there are still There are problems in the following four areas: first, middle-aged and elderly residents have greater difficulty resisting health risks; second, poor residents are less able to resist health risks; third, residents are less able to resist health risk shocks from major illnesses; and fourth, there is a certain degree of inequality in the financing of health insurance and in the utilization of medical resources. We believe that health risk problems that residents can solve on their own should be solved by the residents themselves, and health risk problems that residents cannot solve on their own should be solved with government assistance. We suggest that government-provided health insurance should be tilted towards middle-aged and elderly residents, poor residents, and those suffering from major illnesses, and that equity in health insurance financing and utilization of health care resources should be promoted.

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［135］国家统计局国民经济综合统计司：《新中国60年统计资料汇编》，中国统计出版社2010年版。

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［137］魏众、古斯塔夫森：《中国居民医疗支出不公平性分析》，《经济研究》2005年第12期。

［138］[美]伍德里奇：《计量经济学导论》（第四版），费剑平译，中国人民大学出版社2010年版。

［139］赵志刚、高启杰：《农户医疗需求的约束因素分析——以京郊农村为例》，《中国农村观察》2006年第3期。

［140］赵忠：《使用自评健康数据度量我国健康的不平等》，第五届中国经济学年会论文，2005年。