| 引用本文：叶欣,王鑫峰.门诊共济保障制度对中老年人家庭消费的影响[J].中国卫生政策研究,2025,18(6):9-17 |
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| 门诊共济保障制度对中老年人家庭消费的影响 |
| 投稿时间：2025-04-30 修订日期：2025-06-01 PDF全文浏览 HTML全文浏览 |
| 叶欣1,2，王鑫峰1 |
| 1.复旦大学全球公共政策研究院 上海 200433;2.复旦大学复旦-LSE全球公共政策研究中心 上海 200433 |
| 摘要:拉动消费是构建新发展格局、促进经济高质量发展的迫切要求。本研究基于2011—2018年中国健康与养老追踪调查（CHARLS）四期数据，实证分析了职工门诊共济保障制度对中老年人家庭消费的影响。结果显示，门诊共济保障制度的实施显著增加了家庭消费水平，其消费促进效应突出体现为居民生存发展型消费提高。中介分析发现，抑制慢性病数量增加和家庭预防性储蓄弱化是门诊共济保障影响家庭消费的重要机制。异质性分析表明，门诊共济保障对收入较低和老年家庭的消费促进作用更为显著。根据以上实证分析结果，提出了加大门诊费用保障力度，注重健康导向的门诊服务保障和加强特定人群的门诊保障待遇等建议，以充分发挥门诊共济保障对提振家庭消费的积极作用。 |
| 关键词:门诊共济保障 中老年人 家庭 消费 |
| 基金项目:国家自然科学基金青年项目（72304070）；国家自然科学基金重点项目（72234001） |
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| The impact of outpatient mutual-aid security on household consumption among middle-aged and older adults |
| YE Xin1,2, WANG Xin-feng1 |
| 1.Institute for Global Public Policy， Fudan University， Shanghai 200433， China;2.LSE-Fudan Research Center for Global Public Policy， Fudan University， Shanghai 200433， China |
| Abstract:Stimulating household consumption is an urgent requirement for establishing a new development paradigm and promoting high-quality economic growth. Using four waves of data from the China Health and Retirement Longitudinal Study （CHARLS） from 2011 to 2018， this study empirically investigates the impact of the outpatient mutual-aid security policy on household consumption among middle-aged and older adults. The results show that the implementation of the policy significantly increased household consumption， with the consumption-promoting effect particularly evident in essential and developmental types of consumption. Mediation analysis suggests that the reduction in the number of chronic diseases and the weakening of households' precautionary saving motives are key mechanisms through which the policy enhances consumption. Heterogeneity analysis further reveals that the policy's positive effect on consumption is more pronounced among lower-income households and elderly families. Based on these findings， the study recommends strengthening outpatient expense coverage， improving health-oriented outpatient service provision， and enhancing outpatient benefit packages for specific groups， in order to fully leverage the role of outpatient mutual-aid security in boosting household consumption. |
| Key words:Outpatient mutual-aid security Middle-aged and older adults Household Consumption |
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