首頁資訊動態(tài)健康沖擊下的中老年家庭金融風險評估

動態(tài)健康沖擊下的中老年家庭金融風險評估

來源：泰然健康網(wǎng) 時間：2024年12月24日 05:57

財經(jīng)研究 2022 年第 48 卷第 02 期, 頁碼：153 - 168 DOI:10.16538/j.cnki.jfe.20210813.201

摘要

盡管健康沖擊對家庭金融風險具有顯著影響，但現(xiàn)有研究在健康類型、影響程度以及影響機制等方面還存在不同結(jié)論。文章基于家庭資產(chǎn)負債表，構(gòu)建包含財務(wù)邊際和償付能力在內(nèi)的家庭金融脆弱性指標來衡量家庭金融風險，并分析了四種健康沖擊對中老年家庭金融脆弱性的影響及傳導機制。研究發(fā)現(xiàn)：我國中老年家庭金融脆弱性上升趨勢明顯，而健康沖擊進一步加大了中老年家庭金融脆弱性，尤其是中等收入家庭和農(nóng)村家庭，但不同種類健康沖擊對中老年家庭金融脆弱性的影響程度具有顯著異質(zhì)性。其中，重大疾病對中老年家庭金融脆弱性的影響程度是其他健康沖擊的4倍。上述效應(yīng)的傳導機制是，健康沖擊通過降低家庭收入或增加家庭支出顯著提高了中老年家庭金融風險。但不同健康沖擊的影響機制存在差異，一般健康沖擊主要通過支出增加提高中老年家庭金融風險，而重大疾病通過支出增加和收入減少共同提高中老年家庭金融風險，表明中老年家庭應(yīng)重點防范重大疾病引發(fā)的金融風險。進一步討論發(fā)現(xiàn)，社會醫(yī)療保險對提高家庭應(yīng)對健康風險沖擊的作用有限，而商業(yè)健康保險可以顯著提高家庭償付能力，彌補社會醫(yī)療保險的不足部分，尤其是重大疾病風險。因此，我國應(yīng)加大稅優(yōu)型商業(yè)健康險的優(yōu)惠力度，放寬健康險的年齡界限，提高家庭商業(yè)醫(yī)療險的持有量，強化中老年家庭對健康風險沖擊的應(yīng)對能力，進而降低中老年家庭的金融脆弱水平。

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引用本文

張冀, 史曉, 曹楊. 動態(tài)健康沖擊下的中老年家庭金融風險評估[J]. 財經(jīng)研究, 2022, 48(2): 153-168.

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