Research On The Mitigation Effect Of Commercial Health Insurance On The Poverty Vulnerability Of Rural Families In China

Since the 18th National Congress of the Communist Party of China(CPC),the Party Central Committee and the State Council have taken poverty alleviation as the bottom line task of building a moderately prosperous society in an all-round way,and have taken poverty-stricken areas as key areas for poverty alleviation.We have carried out targeted poverty alleviation work.Through joint efforts from various parties,we have finally achieved a comprehensive victory in the poverty alleviation battle.Nowadays,China has eliminated absolute poverty,but the removal of poverty does not mean the end of poverty governance.China ’s poverty problem has changed from absolute poverty to relative poverty.In this critical period of transformation,special attention should be paid to the erosion of poverty alleviation achievements by the return of poverty in poverty-stricken areas.Therefore,our understanding of poverty should be viewed from the perspective of development,which can help to fundamentally solve the problem of poverty.So,citing the forward-looking indicator of poverty vulnerability to explore poverty issues from the perspective of vulnerability is of theoretical and practical significance in predicting the likelihood of individuals or families falling into poverty due to risk shocks in the future,taking preventive measures in advance,and preventing families from returning to poverty due to illness or disasters.Based on the above background,this paper focuses on rural families,and studies whether commercial health insurance can alleviate the poverty vulnerability and mitigation degree of rural families.This paper uses a combination of theoretical and empirical research methods.Firstly,it sorts out relevant literature at home and abroad,and draws on dynamic poverty theory,health poverty trap theory and uncertain consumption theory to analyze the mechanism of commercial health insurance affecting the vulnerability of rural households to poverty.Then,the three rounds of household tracking data in 2015,2017 and 2019 of the China Household Finance Survey Database(CHFS)are selected,and the VEP method is used to measure the poverty vulnerability of the sample families based on the per capita consumption of the family.Finally,the panel data two-way fixed effect model is used to empirically test the mitigation effect of commercial health insurance on the poverty vulnerability of rural households.The results indicate that the commercial health insurance can reduce the vulnerable degree of poverty in the countryside.Further,the heterogeneity test is carried out in different regions and different poverty lines.The results show that compared with the eastern region,the participation of commercial health insurance in the central and western regions will significantly reduce the poverty vulnerability of rural families.Based on the research conclusions,this paper puts forward relevant suggestions from the perspectives of government,insurance companies and rural residents.