商业健康险对老年家庭金融脆弱性的影响研究

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中图分类号：F830 文献标识码：A doi：10.3969/j.issn.1672-2272.202505006

Abstract：With the intensification of population aging， elderly households face multiple financial risks including surging medical expenditures and declining income，making health security for aging families a focal social concern. As a crucial component of elderly households‘health protection，the impact of commercial health insurance on their financial vulnerability warrants in一depth investigation. Utilizing CHFS（China Household Finance Survey） data from 2Ol5，20l7，and 2Ol9，this study employs Probit models and mediating effect models to empirically analyze the influence of commercial health insurance on financial vulnerability in aging households.The findings reveal that commercial health insurance significantly reduces financial fragility and enhances financial stability in elderly households，yet exhibits group heterogeneity contingent upon household income levels，educational atainment，age，pre一existing medical insurance coverage，and regional disparities，with the mitigation pathways further mediated by risk aversion propensity and precautionary savings behavior. Policymakers should promote complementarity between commercial health insurance and basic medical security systems through regulatory guidance and product innovation to strengthen risk resilience in aging households.

Key Words：Commercial Health Insurance; Elderly Families; Financial Vulnerability;CHFS Data

0 引言

随着我国人口老龄化进程加速，老年家庭的财务安全与社会保障问题日益成为公共政策关注的焦点。（剩余12766字）