3584 
3237面对“看病难、看病贵”，居民可搭配宗亲互助与商业健康保险共同抵御疾病风险。文章利用中国家庭金融调查（CHFS）数据，从文化和转移支出两个角度研究了宗亲互助对商业健康保险需求的影响。结果表明，宗亲互助能够促进居民的商业健康保险需求，考虑内生性影响后结果依然稳健。半参数双重差分结果显示，宗亲互助能够传递疾病风险感知，促进居民的商业健康保险需求。调节效应表明，在参与宗亲互助的低收入人群中，金融素养高的居民，商业健康保险需求更多。异质性分析表明，城市的保障程度高，宗亲互助对商业健康保险需求的促进作用更加显著；在大多数年龄段，宗亲互助都能显著正向影响居民的商业健康保险需求。文章研究表明，日常生活中宗亲互助与商业健康保险并不是非此即彼，两者搭配成为风险转嫁组合更有利于防止因病致贫、因病返贫。
宗亲互助与商业健康保险需求
摘要
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引用本文
潘炜迪, 袁辉. 宗亲互助与商业健康保险需求[J]. 财经研究, 2021, 47(5): 34-48.
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