Impact of medical insurance on household consumption of farmers and herdsmen from the perspective of targeted poverty alleviation: based on household questionnaire survey data of 730 farmers and herdsmen in Inner Mongolia Autonomous Region
(2.National Agricultural and Rural Development Research Institute, China Agricultural University)
【Abstract】Household consumption is an important indicator that reflects the poverty level and quality of life of farmers and herdsmen. They are influenced by a combination of factors, with medical insurance and poverty status being two important factors. On the foundation of summarizing the characteristics of poor and non-poor households, this paper used a limited information maximum likelihood estimation method to construct an econometric model and empirically analyzed the influence of medical insurance on the consumption of different farmers and herdsmen. The results showed that poverty restrained the medical consumption and food consumption of farmers and herdsmen, while medical insurance significantly improved the consumption confidence of farmers and herdsmen, stimulating their consumption and significantly improving the level of medical services received and quality of life. In the meantime, medical insurance had significant differences in their impact on the consumption expenditure for different types of farmers and herdsmen. The participation in medical insurance had a significant promoting effect on the medical consumption expenditure, the consumption expenditure of purchased food and other expenditures of poor households, It also has a significant impact on the promotion of material consumption expenditure of non-poor households.
【Keywords】 medical insurance; poverty alleviation through insurance; household consumption; poverty in farming and pastoral areas;
. ① In order to avoid the influence of outlier values in the income index, the data are winsorized at 1%. Based on our field research, in order to distinguish the value of different types of real estate and land in the asset index, the wood structure houses, brick houses, and concrete houses are assigned values 1: 2: 3, and water land, dry land, grass land, and forest land are assigned values 30: 10: 1 :3.
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