| The Risks and Dynamics of Health Care Expenditures in Urban China： An Illustration in Kunshan City |
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| 作者姓名： | Guan Gong Hongmei Wang Lingli Xu |
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| 基金项目： | We are grateful to conference participants at Shenzhen University, Southwestern University of Finance and Economics, 2010 WSSA, and at the 2011 Academy Health Annual Research Meeting. Gong benefited from supports from a National ScienceFoundation of China （#71273162） and a Shanghai Shuguang Project （#08SG37）. Xu benefited from a Chenguang project supported by Shanghai Municipal Education Commission and Shanghai Education Development Foundation （#11CG47） and a Young Fund Project of Humanities and Social Sciences supported by Chinese Ministry of Education （# 10YJC790316） The authors do not have any financial or personal interest in subject matter of this research. Research and data collection of this study was approval by the Bureau of Social Insurance in Kunshan City. |
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| 摘 要： | This paper examines the individual financial risk of health care expenditures over time in urban China, .using longitudinal health expenditure data from 2005 to 2007 in Kunshan City, Jiangsu Province, China. We find that the stochastic process of log total health care expenditures is well represented by the sum of an AR（3） process and white noise process. Simulating this model, we find that the urban health insurance system protects enrollees from the risk of catastrophic health care expenditures by bearing the majority of the health care expenditures. However, out-of-pocket health care expenditures represents a considerable risk to an individual＇s financial status.
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| 关 键 词： | 金融风险 中国城市 卫生保健 昆山市 插图 医疗保健 医疗保险制度 随机过程 |
The Risks and Dynamics of Health Care Expenditures in Urban China: An Illustration in Kunshan City |
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| Guan Gong,Hongmei Wang,Lingli Xu.The Risks and Dynamics of Health Care Expenditures in Urban China: An Illustration in Kunshan City[J].Frontiers of Economics in China,2014,9(4):634-660. |
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| Authors: | Guan Gong ;Hongmei Wang ;Lingli Xu |
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| Institution: | 1. School of Economics, Shanghai University of Finance and Economics, Shanghai 200433, China2. College of Public Health, University of Nebraska Medical Center, Omaha, NE 68198-4350, USA3. School of Economics, Shanghai University, Shanghai 200444, China |
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| Abstract: | This paper examines the individual financial risk of health care expenditures over time in urban China, using longitudinal health expenditure data from 2005 to 2007 in Kunshan City, Jiangsu Province, China. We find that the stochastic process of log total health care expenditures is well represented by the sum of an AR(3) process and a white noise process. Simulating this model, we find that the urban health insurance system protects enrollees from the risk of catastrophic health care expenditures by bearing the majority of the health care expenditures. However, out-of-pocket health care expenditures represents a considerable risk to an individual’s financial status. |
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| Keywords: | out-of-pocket expenditures financial risk urban health insurancesystem China |
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