Floating Population, Housing Security and Family Medical Economic Risk
Floating Population, Housing Security and Family Medical Economic Risk
复制标题
流动人口、住房保障与家庭医疗经济风险
DOI：
10.3390/su141811220
复制
发表时间：
2022
期刊：
影响因子：
3.9
通讯作者：
Peng Liu
中科院分区：
文献类型：
--
作者：
Tao Li;Yitong Zhang;Hecheng Zhu;Peng Liu
随着我国经济的快速发展和城市化进程的加快，我国的住房保障体系也在不断完善。为解决中低收入人群的住房困难，中国建立了住房公积金制度和经济适用住房制度。但是，特别是对于流动人口来说，住房和医疗保障并没有实现服务均等化。因此，我们分析了中国家庭面板研究（CFPS）的数据来描述住房保障对流动人口家庭医疗经济风险的影响。根据研究结果，住房公积金的缴纳可以有效降低灾难性卫生支出的发生率。相比之下，人均财政支出在保障性住房上会显著增加家庭医疗经济风险。基于户籍和收入水平的异质性检验表明，住房保障的影响因人口而异。此外，影响机制分析表明，影响是通过住房抵押贷款介导的。基于研究结论，提出了优化住房公积金制度保障功能、扩大保障性住房政策覆盖面、促进住房与医疗保障协调发展等三条政策建议。这一研究不仅对我国流动人口保障体系的建立具有理论和现实意义，而且对其他国家住房和医疗保障制度的发展也提供了有效的借鉴。
With the rapid development of China’s economy and the acceleration of urbanization, the country’s housing security system is constantly improving. To address the housing difficulties experienced by low- and middle-income populations, China has formulated the housing provident fund system and the affordable housing system. However, especially for the floating population, housing and medical security have not resulted in an equalization of services. We thus analyze data from Chinese Family Panel Studies (CFPS) to describe the influence of housing security on the family medical economic risk of the floating population. According to the results, the payment of housing provident fund can effectively reduce the incidence of catastrophic health expenditures. In contrast, per capita financial expenditure on affordable housing will significantly increase family medical economic risk. Heterogeneity tests based on the household register and income levels show that the impacts of housing security vary across populations. In addition, the influence mechanism analysis shows that the impact is mediated through housing mortgage loans. Based on the conclusions drawn, three policy recommendations of optimizing the guarantee function of the housing provident fund system, expanding the coverage of affordable housing policy, and promoting the coordinated development of housing and medical security are proposed. This research not only has theoretical and practical significance for the establishment of the security system for the floating population in China but also provides an effective reference for the development of housing and medical security systems in other countries.
影响因子：
7.6
作者：
BARON, RM;KENNY, DA
通讯作者：
KENNY, DA