医疗保险对家庭金融资产配置的影响研究

医疗保险对家庭金融配置的影响研究摘要本篇论文研究的主要问题有两个，一是医疗保险对家庭风险金融资产持有的概率，二是家庭风险金融资产持有比例的影响要素。本文根据国内外相关研究，归纳总结影响家庭金融资产配置的主要因素，再依据研究问题的特征建立合适的Probit模型和Tobit模型，对其进行实证分析近年来，我国的金融市场处于一个不断发展完善的过程，居民对投资的关注明显增强，以居民家庭为投资单位的角色在金融市场中比例上升。随着金融市场的发展与成熟，家庭能够接触到更多的金融产品，通过审慎决策优化金融资产配置，家庭为规避金融市场中的风险会增加预防性储蓄，这在一定程度上对消费和投资有所抑制。我国医疗保障体系尚处于发展健全阶段，以社会医疗保险为主体，商业医疗保险为补充。参与医疗保险能够帮助家庭分散风险，降低不确定性，进而减少预防性储蓄并调整资产配置结构。因此，研究医疗保险和家庭金融资产的关系可以帮助家庭合理化投资决策，优化资产配置，实现良好的财富增长，对我国金融市场和社会保障体系的完善也有一定的现实意义。关键词：家庭金融；资产配置；社会保障-I-Research on the influence of medical insurance on householdfinancial Asset allocationAbstractThe two core issues of this paper are the influence of medical insurance on theprobability and proportion of holding risky financial assets in households.Based onrelevant research at home and abroad,this paper summarizes the main factors affecting theallocation of household financial assets,and then establishes the appropriate Probit modeland Tobit model according to the characteristics of the research questions.Empiricalanalysis is carried out with the data of 36074 household samples of Chinese householdfinance survey.With the continuous development and improvement of China's financial market,residents'investment awareness has been enhanced,and families have gradually played animportant role in the financial market.In the current market environment,households areable to access more financial products and optimize the allocation of financial assetsthrough prudent decisions.In order to avoid risks in the financial market,households willincrease precautionary savings,which will inhibit consumption and investment.China'smedical security system is still in the stage of development and improvement,with socialmedical insurance as the main body and commercial medical insurance as the supplement.Participation in health insurance helps households spread risk and reduce uncertainty,which in turn reduces precautionary savings and realignments asset allocation.Therefore,the study of the relationship between medical insurance and family financial assets canhelp families rationalize investment decisions,optimize asset allocation,achieve goodwealth growth,and has certain practical significance for the improvement of China'sfinancial market and social security system.Key Words:Family finance;Asset allocation;The social securityII-目录摘数........IAbstract…引言一、绪论.2(一)研究背景….2(二)研究的目的与意义(三)研究思路与研究内容.3(四)研究方法与创新之处二、文献综述.5(一)国外文献综述.…5(二)国内文献综述5(三)理论基础…(四)研究假设…6三、数据、变量及模型设定.8(一)样本选择和数据说明8(二)模型设定.8(三)变量说明……8(四)描述性统计.10四、实证、结果及分析….13(一)医疗保险对家庭金融资产配置的影响，13(二)异质性分析…17(三)稳健性检验.18五、结论与启示…21(一)主要结论21(二)研究启示…21参考文献…22III引言本篇论文讨论的重点问题是社会以及商业医疗保险对于金融资产持有概率的影响，由于家庭异质性明显，进一步对城乡、区域和风险态度三个因素进行异质性分析，得到了如下结论：第一，对于家庭参与金融市场的概率和程度来说，社会医疗保险会起到促进的作用，它能够降低家庭不确定性，改善投资结构，优化资产配置。商业医疗保险虽然也能够降低家庭预防性储蓄，促进投资，但由于参保费用较高，对风险资产有一定替代性，综合作用使得影响不显著。第二，第二社会医疗保险对家庭金融资产配置的影响在城镇和农村之间存在显著差异，城镇家庭受影响显著，农村家庭决策则更依赖于家庭健康状况、经济情况和知识水平。城镇和农村家庭对商业医疗保险敏感性均不高。第三，对于风险中性和风险厌恶家庭来说，社会医保会起到促进参与金融市场的作用，但是对于风险偏好的家庭不会产生什么影响，但是商业医保会对风险偏好家庭产生影响，对风险厌恶家庭的影响则恰恰相反。-1