| 研究生: |
曾志翔 Tseng, Chih-hsiang |
|---|---|
| 論文名稱: |
以分量迴歸法探討全民健保實施對家戶消費型態之影響 The Effect of National Health Insurance on Household Consumption:Evidence from Quantile Regression |
| 指導教授: |
劉亞明
Liu, Ya-ming |
| 學位類別: |
碩士 Master |
| 系所名稱: |
社會科學院 - 經濟學系 Department of Economics |
| 論文出版年: | 2009 |
| 畢業學年度: | 97 |
| 語文別: | 中文 |
| 論文頁數: | 99 |
| 中文關鍵詞: | 家戶消費 、差異中之差異 、分量迴歸 、全民健保 |
| 外文關鍵詞: | National health insurance, quantile regression, difference-in-difference, household consumption |
| 相關次數: | 點閱:109 下載:7 |
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全民健保的實施降低了家戶的醫療財務風險,使得預防性儲蓄動機降低,因而使得家戶的消費型態產生變化。本文以民國81年至87年行政院主計處家庭收支調查報告為研究資料,藉由分量迴歸(quantile regression)方法衡量不同特徵變數對家戶消費之影響,並透過差異中之差異方法(difference-in-difference)以檢視全民健保制度實施後,對家戶消費型態之改變。實證結果顯示,全民健保實施後對各項消費的分量迴歸淨效果如下:
1.食物類消費減少,各分量並無顯著差異。
2.衣服類消費增加,以高分量(q0.9)效果最大。
3.居住類消費增加,低分量(q0.1)及高分量均不顯著。
4.醫療保健類消費增加,以高分量效果最大。
5.娛樂教養類消費減少,低分量及高分量均不顯著。
6.運輸交通類消費減少,高分量則不顯著。
本研究結果顯示,無論所得的高低,在全民健保實施後,均增加了醫療保健類消費,因而帶動了國人生活品質的提高。
Since the implementation of National Health Insurance could reduce financial risk when there is an incidence of disease for each household, this study investigated the effect of National Health Insurance program on household consumption pattern by using the Survey of Family Income and Expenditures from Directorate General of Budget, Accounting and Statistics, from 1992 to 1998. Quantile treatment regression was used to capture the heterogeneity of household expenditures over the distribution of different expenditures.
The empirical results are as followed.
1. Food expenses decreased over time. There is no variation in each quantile.
2. Clothing expenses increased over time. Higher quantile (q0.9) has the highest treatment effect.
3. Housing expenses increased over time. Higher quantile and lower quantile (q0.1) have no significant treatment effect.
4. Health care expenses increased over time. Higher quantile has the highest treatment effect.
5. Entertainment expenses decreased over time. Lower quantile and higher quantile have no significant treatment effect.
6. Communication expenses decreased over time. Higher quantile has no significant treatment effect.
Overall the results show the implementation of National Health Insurance program increased health care expenses, likely improving the living standard of households in Taiwan.
一、中文文獻
1.中央健保局 (2006),「全民健康保險統計」,中央健康保險局。
2.耿紹勛,許燕菁 (2006)「全民健保實施對家計消費影響之實證研究」,第八屆全國實證經濟學論文研討會。
3.劉彩卿、陳欽賢、洪小喬 (2004) 「全民健保實施對商業健康保險購買決策的影響」,《財稅研究》,36(2),頁71-94。
4.張文玲、孫金華、江福松 (2002),「台灣地區家庭保健及醫療支出行為之分析」,第一屆全國應用經濟學術研討會,國立中興大學。
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二 英文文獻
1. Shin-Yi Chou ,Jin-Tan Liu and James K. Hammitt (2004). “Nation Health Insurance and Technology Adoption: Evidence From Taiwan”,Contemporary
Economic Policy, 22(1), 26-38.
2. Shin-Yi Chou, Jin-Tan Liu and James K. Hammitt (2003). “National Health Insurance and precautionary saving: evidence from Taiwan”,Journal of Public Economics, 87, 1873-1894.
3. Shin-Yi Chou, Jin-Tan Liu and James K. Hammitt (2003), “Health Insurance and Households’ Precautionary Behavior: An Unusual Natural Experiment”,Review of Economics of the Household, 4(4), 395-421.
4. Tsai-Ching Liu and Chin-shyan Chen (2002), “An Analysis of Private Health Insurance Purchasing Decisions with National Health Insurance in Taiwan”, Social
Science and Medicine, 55(5), 755-774.
5. Friedman, Milton (1957) ‘The Permanent Income Hypothesis: Comment’, American Economic Review,48,990-91.
6. Koenker, R. and G. Bassett (1978). Regression quantile, Econometrica, 46, 33–50.