基于双重差分法医疗保险事前道德风险研究--来自CHNS调查的证据
Study on Ex-ante Moral Hazard in Medical Scheme by DID Method--Based on CHNS
本文基于1989-2009年中国家庭营养调查（CHNS）微观调查数据，利用2003年开始在我国农村试点新型农村合作医疗保险这一政策变化，作为准自然试验，在前人文献的基础上，首次利用双重差分法（Difference-in-Differnces）来研究参与医疗保险是否会引发参保人事前道德风险。结果表明，新农合并没有明显提高抽烟概率和抽烟量，但显著提高了饮酒概率0.02个单位和每月饮酒天数0.30-0.36个单位。故本文结论为新农合的实施与试点，并没有显著的引起事前道德风险的发生，但依然需要在实施过程中，利用报销范围覆盖全面体检等手段，控制和提高参保人的疾病预防意识。
In the 1989-2009 China Health and Nutrition Survey (CHNS) based on data from 2003 began to change in the new rural cooperative medical insurance in rural China test this policy, using Difference-in-Differnces method to study the medical insurance will lead to obtain insurance personnel before moral hazard. The results showed that the new farmer did not significantly increase the probability of smoking and the amount of smoking, but significantly increased the probability of drinking 0.02 units and the number of drinking days per month 0.30-0.36 units. On the basis of the conclusion, some suggestions are put forward to promote the new rural cooperative medical system in china.
吴蔚、陈雪梅
医药卫生理论医学研究方法
保险学新型农村合作医疗事前道德风险双重差分法
Insurancethe New Rural Cooperative Medical SchemeEx-ante Moral Hazardifference-in-Differnces
吴蔚,陈雪梅.基于双重差分法医疗保险事前道德风险研究--来自CHNS调查的证据[EB/OL].(2017-11-03)[2025-08-02].http://www.paper.edu.cn/releasepaper/content/201711-5.点此复制
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