| The publication of "opinions on deepening the Reform of the Medical and Health system" in 2009 marks the official beginning of the "new health care reform" in China.At the same time,2018 is the tenth year of the "new health care reform".The linkage reform of medical care,medical insurance and medicine is constantly increasing,the Internet medical health has also made great progress,and the social security system has been constantly improved.It can be seen that our government has been reforming the medical insurance system in order to perfect the medical insurance system and the level of medical security.Based on the(CHFS)data of China Household Finance Survey in 2013,this paper studies the influence of social medical insurance on the choice of household financial assets.Because taking the family as the unit,the family undefined disposition behavior to the financial assets will not only have the influence on the family undefined wealth level and living condition,but also will have certain influence on the economic development of our country.Social medical insurance,provides certain health protection for the resident family,which will affect the behavior of the family undefined asset allocation.Because families increase their ability to resist risks by participating in medical insurance,it can be considered that their social medical insurance can reduce the propensity of family precautionary savings,and thus may have a certain impact on the choice of financial assets of households.However,because of the imperfect development of financial market in our country,the structure of financial assets held by households is relatively simple,especially the amount of risky financial assets is relatively low.This paper hopes to study the influence of medical insurance on the choice of household risk financial assets,to understand the reasons for the lack of participation in the household risk financial market,and to obtain a scheme to optimize the optimal allocation of household risk financial assets.First of all,the content and purpose of this study are put forward.Secondly,it discusses the theory of financial asset selection and social medical insurance,which provides the theoretical basis for the article.The paper also discusses the influence mechanism of social medical insurance on the choice of family risk financial assets.Finally,through the empirical research of Probit and Tobit model,the conclusion of this paper is drawn,and some useful suggestions are expected.The main conclusions of this paper are as follows:Firstly,the possibility of household participation in social medical insurance has a significant positive impact on the possibility of families choosing risky financial assets.Secondly,there is a significant positive impact of households participating in social medical insurance,and the proportion of insured households holding risky financial assets is obviously higher than that of non-insured households.Thirdly,the empirical results of grouping urban and rural areas show that there are significant differences between urban and rural areas in the impact of social health insurance on the choice of risky financial assets of households.The sensitivity of urban households is significantly higher than that of rural households.The regression results of rural households show that the IV-Probit model has a certain significance,but the degree of this effect is much lower than that of urban households.Fourth,studies at various security levels show that the probability of premium households holding highrisk financial assets is increasing,and that the proportion of hazardous financial assets held is higher than that of low-premium households without health insurance,and the return results are not significant.The innovation of this paper may be that the perspective of the research chooses the influence of social medical insurance on the household risk financial asset selection,and expects to make some attempts and draw useful conclusions. |
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