金融学院知识库

2020年经过全国人民的齐心协力，我国脱贫攻坚任务取得全面胜利，消除了绝对贫困和区域性整体贫困，但是这并不代表脱贫家庭不会因病返贫、因灾致贫。为了巩固脱贫攻坚的成果，保障我国民生福祉，实现经济高质量发展，稳步迈向高收入社会，我国在2021年制定了十四五规划。规划纲要中强调要将扩大内需作为战略基点，畅通国内循环体系，借助居民消费收入的提升充分激活我国庞大人口的消费潜能，全面刺激内需，扩大国内消费规模。基于以上背景和政策导向，如何拉动我国居民消费，从而更好地实现经济社会发展成为一个重大的课题。商业健康保险作为保险产品中的重要组成部分，可以有效分散我国居民因为年老体衰、意外等带来的健康风险，降低未来的不确定性，因此可以在一定程度上减少我国居民的预防性储蓄，释放消费潜力。

鉴于商业健康保险在我国城镇中覆盖率较高，且城镇居民的消费规模更加庞大，于是本文将研究视角聚焦于城镇居民，研究商业健康保险对于城镇居民家庭消费的影响。本文在研究过程中，充分运用理论与实证相结合的方法，首先对国内外学者的研究文献和相关理论进行梳理和概括，并阐述了我国商业健康保险和城镇居民家庭消费的现状，在此基础上结合我国国情，选取了中国家庭金融调查数据库（CHFS）的2019年家庭追踪数据，确定了城镇居民家庭总消费、发展型消费和享乐型消费作为被解释变量，解释变量为是否参保商业健康保险，控制变量为户主个人统计特征、收入等，实证方法采用OLS普通最小二乘法和倾向得分匹配法，结果显示商业健康保险可以有效促进城镇居民家庭的不同类型的消费。此外，本文还对户主所受教育水平和婚姻状况进行异质性检验，结果表明户主为中等学历和婚姻状况为已婚的家庭消费受到商业健康保险促进作用更为显著。最后，本文基于实证结果提出相关建议。

In 2020, through the concerted efforts of the people of the whole country, China poverty alleviation task has achieved a comprehensive victory, eliminating absolute poverty and regional overall poverty, but this does not mean that families who have escaped poverty will not return due to illness or due to disasters.In order to consolidate the achievements of poverty alleviation, protect the well-being of our people's livelihood, achieve high-quality economic development, and steadily move towards a high-income society, China formulated the 14th Five-Year Plan in 2021.The outline of the plan emphasizes the expansion of domestic demand as a strategic base point, smoothing the domestic circulation system, and fully activating the consumption potential of China huge population with the help of the increase in residents' consumption income, comprehensively stimulating domestic demand, and expanding the scale of domestic consumption.Based on the above background and policy orientation, how to stimulate the consumption of our residents so as to better realize economic and social development has become a major issue.As an important category of insurance products,commercial health insurance can effectively disperse the health risks of Chinese residents due to aging and accidents,and reduce the uncertainty of the future.Therefore,it can reduce the preventive savings of Chinese residents to a certain extent and release the consumption potential.

In view of the high coverage rate of commercial health insurance in Chinese cities and the larger consumption scale of urban residents, this paper focuses on urban residents and studies the impact of commercial health insurance on urban household consumption.In the process of research, this paper makes full use of the method of combining theory and empirical research. Firstly, it sorts out and summarizes the research literature and related theories of scholars at home and abroad, and expounds the current situation of commercial health insurance and urban household consumption in China. On this basis, combined with China's national conditions, this paper selects the 2019 family tracking data of China Family Finance Survey Database(CHFS), and determines the total consumption, developmental consumption and hedonic consumption of urban households as the explanatory variables. The explanatory variable is whether to participate in commercial health insurance, and the control variable is the personal statistical characteristics and income of the head of the household. The empirical method adopts OLS ordinary least squares method and propensity score matching method. The results show that commercial health insurance can effectively promote different types of consumption of urban households.In addition, the heterogeneity test is also carried out according to the education level of the head of the household and the marital status. The results show that the consumption of households whose head has a middle education and whose marital status is married is more significantly promoted by commercial health insurance.Finally, the paper makes recommendations based on the empirical results.