本文主要研究内容
作者李娜（2019）在《健康异质性下医疗保险对家庭资产配置影响的实证研究》一文中研究指出：随着经济的不断发展和进步,社会生活水平的进一步提高,家庭的收入和财富水平得到大幅提升,家庭资产投资决策成为每个家庭必然面对的选择。一方面,家庭资产的选择包括房产、股票、保险、基金、债券投资等,同时移动互联网和人工智能的飞速发展使居民家庭面临着更广的投资范围和更丰富的投资产品,但我国家庭资产配置仍存在结构单一和有限参与等问题,家庭投资潜在的风险不容忽视;另一方面,医疗体系的不断完善使居民家庭更加关注健康和医疗保障,医疗保险作为我国社会保险的重要组成部分,在居民家庭金融行为中充当着重要的角色,深刻影响着我国居民家庭资产配置行为,而不同家庭健康状态下医疗保险对家庭资产配置的边际影响可能存在差异,因此在考虑健康异质性的情况下研究医疗保险对家庭资产选择的影响具有一定的现实意义,相关结论对深化医疗体系改革和引导家庭资产的合理科学配置具有相应的指导意义。本文首先对现有的文献进行了归纳和总结;然后构建了医疗保险的工具变量,运用Probit、Tobit、IV-Probit和IV-Tobit模型,实证分析了医疗保险对家庭金融资产选择的影响;又进一步将家庭总资产分为非流动金融资产、流动金融资产和实物资产,旨在分析医疗保险与家庭资产选择偏好的关系;最后本文重点考虑了不同健康状况下医疗保险对家庭资产选择的影响,对比分析了较健康家庭和欠健康家庭之间医疗保险对家庭资产选择影响的差异性。上述研究结果表明:其一,医疗保险的存在提高了居民家庭参与风险金融市场的可能性和比例;其二,参与医疗保险的家庭显著降低了流动金融资产在家庭总资产中的配置比例,而医疗保险的存在提高了家庭配置非流动金融资产和实物资产的比重,且实物资产配置比例的边际效应是非流动金融资产配置比例的3倍,这与我国房产投资偏好较强有关;其三,不同健康状况下医疗保险对家庭资产配置产生的影响存在差异性,表现为在较健康家庭中医疗保险显著促进了家庭参与风险金融市场的可能性,而在欠健康家庭中这种影响不显著,但在家庭参与风险市场投资的情况下,健康状况欠佳的家庭中医疗保险对家庭配置风险金融资产比重产生的促进作用更大。此外欠健康家庭中持有流动金融资产和实物资产对医疗保险不敏感,而在较健康的家庭中,持有医疗保险显著影响家庭配置流动金融资产和实物资产的比重。产生上述差异性的影响可能是由于我国医疗保险保障水平不高,欠健康家庭所面临健康风险较高所致。最后,在上述研究的基础上,本文提出了继续深化和提升医疗保险保障水平、加强控制和防范金融风险、提高金融产品创新水平和合理优化家庭资产配置等建议。
Abstract
sui zhao jing ji de bu duan fa zhan he jin bu ,she hui sheng huo shui ping de jin yi bu di gao ,jia ting de shou ru he cai fu shui ping de dao da fu di sheng ,jia ting zi chan tou zi jue ce cheng wei mei ge jia ting bi ran mian dui de shua ze 。yi fang mian ,jia ting zi chan de shua ze bao gua fang chan 、gu piao 、bao xian 、ji jin 、zhai quan tou zi deng ,tong shi yi dong hu lian wang he ren gong zhi neng de fei su fa zhan shi ju min jia ting mian lin zhao geng an de tou zi fan wei he geng feng fu de tou zi chan pin ,dan wo guo jia ting zi chan pei zhi reng cun zai jie gou chan yi he you xian can yu deng wen ti ,jia ting tou zi qian zai de feng xian bu rong hu shi ;ling yi fang mian ,yi liao ti ji de bu duan wan shan shi ju min jia ting geng jia guan zhu jian kang he yi liao bao zhang ,yi liao bao xian zuo wei wo guo she hui bao xian de chong yao zu cheng bu fen ,zai ju min jia ting jin rong hang wei zhong chong dang zhao chong yao de jiao se ,shen ke ying xiang zhao wo guo ju min jia ting zi chan pei zhi hang wei ,er bu tong jia ting jian kang zhuang tai xia yi liao bao xian dui jia ting zi chan pei zhi de bian ji ying xiang ke neng cun zai cha yi ,yin ci zai kao lv jian kang yi zhi xing de qing kuang xia yan jiu yi liao bao xian dui jia ting zi chan shua ze de ying xiang ju you yi ding de xian shi yi yi ,xiang guan jie lun dui shen hua yi liao ti ji gai ge he yin dao jia ting zi chan de ge li ke xue pei zhi ju you xiang ying de zhi dao yi yi 。ben wen shou xian dui xian you de wen suo jin hang le gui na he zong jie ;ran hou gou jian le yi liao bao xian de gong ju bian liang ,yun yong Probit、Tobit、IV-Probithe IV-Tobitmo xing ,shi zheng fen xi le yi liao bao xian dui jia ting jin rong zi chan shua ze de ying xiang ;you jin yi bu jiang jia ting zong zi chan fen wei fei liu dong jin rong zi chan 、liu dong jin rong zi chan he shi wu zi chan ,zhi zai fen xi yi liao bao xian yu jia ting zi chan shua ze pian hao de guan ji ;zui hou ben wen chong dian kao lv le bu tong jian kang zhuang kuang xia yi liao bao xian dui jia ting zi chan shua ze de ying xiang ,dui bi fen xi le jiao jian kang jia ting he qian jian kang jia ting zhi jian yi liao bao xian dui jia ting zi chan shua ze ying xiang de cha yi xing 。shang shu yan jiu jie guo biao ming :ji yi ,yi liao bao xian de cun zai di gao le ju min jia ting can yu feng xian jin rong shi chang de ke neng xing he bi li ;ji er ,can yu yi liao bao xian de jia ting xian zhe jiang di le liu dong jin rong zi chan zai jia ting zong zi chan zhong de pei zhi bi li ,er yi liao bao xian de cun zai di gao le jia ting pei zhi fei liu dong jin rong zi chan he shi wu zi chan de bi chong ,ju shi wu zi chan pei zhi bi li de bian ji xiao ying shi fei liu dong jin rong zi chan pei zhi bi li de 3bei ,zhe yu wo guo fang chan tou zi pian hao jiao jiang you guan ;ji san ,bu tong jian kang zhuang kuang xia yi liao bao xian dui jia ting zi chan pei zhi chan sheng de ying xiang cun zai cha yi xing ,biao xian wei zai jiao jian kang jia ting zhong yi liao bao xian xian zhe cu jin le jia ting can yu feng xian jin rong shi chang de ke neng xing ,er zai qian jian kang jia ting zhong zhe chong ying xiang bu xian zhe ,dan zai jia ting can yu feng xian shi chang tou zi de qing kuang xia ,jian kang zhuang kuang qian jia de jia ting zhong yi liao bao xian dui jia ting pei zhi feng xian jin rong zi chan bi chong chan sheng de cu jin zuo yong geng da 。ci wai qian jian kang jia ting zhong chi you liu dong jin rong zi chan he shi wu zi chan dui yi liao bao xian bu min gan ,er zai jiao jian kang de jia ting zhong ,chi you yi liao bao xian xian zhe ying xiang jia ting pei zhi liu dong jin rong zi chan he shi wu zi chan de bi chong 。chan sheng shang shu cha yi xing de ying xiang ke neng shi you yu wo guo yi liao bao xian bao zhang shui ping bu gao ,qian jian kang jia ting suo mian lin jian kang feng xian jiao gao suo zhi 。zui hou ,zai shang shu yan jiu de ji chu shang ,ben wen di chu le ji xu shen hua he di sheng yi liao bao xian bao zhang shui ping 、jia jiang kong zhi he fang fan jin rong feng xian 、di gao jin rong chan pin chuang xin shui ping he ge li you hua jia ting zi chan pei zhi deng jian yi 。
论文参考文献
论文详细介绍
论文作者分别是来自湖南师范大学的李娜，发表于刊物湖南师范大学2019-10-31论文，是一篇关于健康异质性论文,医疗保险论文,风险金融资产论文,家庭资产配置论文,湖南师范大学2019-10-31论文的文章。本文可供学术参考使用，各位学者可以免费参考阅读下载，文章观点不代表本站观点，资料来自湖南师范大学2019-10-31论文网站，若本站收录的文献无意侵犯了您的著作版权，请联系我们删除。
标签：健康异质性论文; 医疗保险论文; 风险金融资产论文; 家庭资产配置论文; 湖南师范大学2019-10-31论文;