【摘要】 利用2009年"中国城镇居民经济状况与心态调查"数据,本文首次实证研究健康状况主观感受蕴含的健康风险信息对家庭消费的影响,同时探讨医疗保险的健康风险缓解和消费促进效应。发现的主要结论如下:户主自身的健康状况感受通常对家庭甚至低收入家庭的消费都没有显著负影响,但老年户主的健康状况感受却是家庭重要的健康风险来源;健康风险对家庭消费的影响主要源于除户主外的健康感受差的成员和老年成员,健康风险大的家庭人均总消费、食品和非食品消费均更低,家庭会通过调整非食品消费来稳定食品消费以应对消费的健康风险效应;医疗保险有助于缓解家庭的健康风险,促进家庭消费,特别是对于低收入家庭而言。更多还原

【Abstract】 Using China urban household survey data collected from 41 cities in 2009,this paper examines the effect of health risk contained in self-assessed health status on Chinese urban household’s consumption.Main findings are as follows:householder’s self-assessed health status generally does not affect household’s consumption,also is true even for low-income households.But elder householder’s self-assessed health status is a major source of the household’s health risk.The significant effect of health risk on consumption comes mainly from the self-assessed "poor" or "very poor" members or elderly ones other than the head of household.Household confronted with larger health risk will reduce per capita consumption,food consumption and non-food consumption.Household will adjust non-food consumption to partially insure food consumption from the effects of health risk.Health insurance can alleviate the negative effect of health risk on households’ consumption,especially for low-income households.This study has rich policy implications.’更多还原