“新农合”对农村居民耐用品消费的影响

本文利用中国营养健康调查（CHNS）数据，基于改进的Probit模型检验了新型农村合作医疗保险对农村居民耐用品消费的影响。研究发现：“新农合”能有效提高农村家庭的耐用品消费水平，且农村家庭上一期参保行为对耐用品消费的刺激作用更显著。另外，“新农合”对存在中、高健康风险居民的耐用品消费刺激作用明显，且上期参保行为对健康高风险居民的耐用品消费促进作用更强。

New Cooperate Medical Insurance Impacts on Rural Household Durable Consumption

Based on the CHNS data,we employ the Probit model to test the effect of New Rural Cooperate Medical Insurance on the rural resident's durable consumption. We find that joining insurance in last period will help rural residents gain more durable consumption than that of current period. The rural residents who face higher health risk will gain more durable consumption than who face lower risk thank for the medical insurance.