Effects Of Basic Medical Insurance For Urban Workers On Family Consumption Of Migrant Workers

The consumption potential of peasant workers in our country is huge,but the consumption level is low.In the period of China's economic development has entered a new normal period from export and investment to consumption,the wage income of migrant workers has increased by leaps and bounds.By the end of 2016,the total wages of urban migrant workers in China had reached 923 billion 600 million yuan.Thus,the consumption potential of peasant workers in our country is enormous.However,the living conditions of migrant workers in the city are quite worrying,mainly in the low level of consumption.This is mainly because migrant workers are coping with uncertain risks in the future,resulting in higher savings for their families,thereby reducing household consumption.Among them,migrant workers in the city's medical health problems is one of the biggest reasons for their preventive savings.Participating in the basic medical insurance for urban workers may reduce the medical burden of migrant workers and reduce their precautionary savings motive,thus stimulating the effective consumption demand of migrant workers' families.Therefore,study on the basic medical insurance for urban workers,what is the effect of migrant workers migrant workers to improve the household consumption,household consumption capacity,further enhance the work sense of belonging and sense of happiness,so as to realize the goal of citizenization of migrant workers under the background of urbanization,optimizing the construction of Chinese social security system,narrowing the gap between the rich and the poor Chinese society,alleviate social contradictions,accelerate economic restructuring,promote social justice is of great significance.This paper describes the research background and significance of the basic medical insurance for urban workers migrant workers on household consumption,illustrates the theoretical basis of this paper,namely the precautionary savings theory and group heterogeneity theory,and explains the concepts of this article,through reviewing and sorting the related literature at home and abroad,in order to get social security may produce four effects of different effect on consumption,and on the basis of comprehensive review.Secondly,through the establishment of five hypotheses,and select the appropriate variables,based on the national health and Family Planning Commission in 2013 launched the "floating population" dynamic monitoring survey data,using propensity score matching method(Propensity Score Matching,PSM)empirical analysis of the impact of basic medical insurance for urban workers migrant workers household consumption.And the estimation result launched a robustness test.Again,from the families of migrant workers last year in the local or medical expenditure and whether the two aspects of reimbursement,and discusses the causes of basic medical insurance for urban workers,migrant workers have an impact on the household consumption,from the angle of income and city scale perspective,the grouping test group heterogeneity and regional difference exists in the basic medical insurance for urban workers migrant workers the impact of household consumption.Finally,based on the above analysis and conclusions,relevant policy recommendations are put forward.The findings show that,first,participating in basic medical insurance for urban workers has a significant promoting effect on the consumption level of peasant workers' families.Second,the basic medical insurance for urban workers without medical expenditure on the migrant workers family consumption still have promotion effect,"squeeze" hypothesis cannot fully explain the basic medical insurance for urban workers migrant workers to enhance the effect of household consumption.Third,get the urban workers' basic medical insurance reimbursement of the families of migrant workers,the level of consumption with high,this will significantly enhance the trust and understanding of the families of migrant workers on the system,to reduce the economic burden to a certain extent,reduce the cost of consumer mentality,so as to improve the level of consumption and consumption tendency.Fourth,the basic medical insurance for urban workers has a more significant effect on the consumption of low-income peasant workers,but there is no significant impact on the consumption of middle and high income peasant households.Fifth,the positive impact of the basic medical insurance for urban workers on the consumption of rural migrant workers decreases with the expansion of urban scale.In order to improve the China migrant workers the level of household consumption,reduce the development of themselves and their families in the future there is fear and worry about uncertainty,reduce the precautionary saving motive,should further improve the basic medical insurance system China,narrowing the gap between rich and poor,stimulating domestic demand,promote the transformation and upgrading of economic structure,accelerate the supply side structural reform,put forward the following in this paper,policy recommendations.First,continuing to promote the growth of migrant workers' income,which is of great significance for enhancing their ability to participate in basic medical insurance for urban workers andobtaining more medical insurance.Second,take effective measures to promote migrant workers to participate in the basic medical insurance for urban workers,migrant workers to strengthen their awareness of health care,increase the economic difficulties in the families of migrant workers,individual contributions of fiscal subsidies.Third,we should gradually raise the level of basic medical insurance for urban workers and strengthen their understanding and confidence in this policy.Fourth,the establishment of urban workers basic medical insurance differential rate method,that is,set up a different payment grade,different pay grade corresponds to different levels of medical treatment benefits.Fifth,according to local conditions,balance the basic level of medical insurance among urban employees.Sixth,the implementation of supporting measures to minimize the uncertainty of medical expenditure of migrant workers families.