PDF(Pubmed)
Abstract：
UNASSIGNED: The digital finance era has reshaped young people\'s lifestyles, risk perceptions and insurance participation decisions. Modern youth have to constantly seek for rational social security support and construct individual protection barriers to adapt to new lifestyles and social structures. China\'s multi-tiered, universal health insurance system is urgently needed to satisfy young people\'s flexible needs and rational decision-making.
UNASSIGNED: Based on the micro data from 2011 ~ 2021 Chinese General Social Survey (CGSS), this paper uses macro data from Digital Inclusive Finance Index (DIFI) matching to construct probit and m-logit model to assess the impact of the development of digital finance on Chinese youth whether or not to participate in health insurance, and how they choose the concrete type of health insurance.
UNASSIGNED: (1) Baseline regression results shows that digital finance has a significant positive effect on Chinese youth\'s health insurance participation decisions, and has different effects on choices within health insurance types. Strong support for the conclusions is provided by endogeneity and robustness tests. (2) The results of the heterogeneity analysis reveal that the marginal effect of digital finance on young people\'s health insurance decisions shows urban-rural differences, divergence in levels of self-rated health. (3) The mechanism analysis results suggest that there are two mechanism paths of digital finance on youth health insurance decisions: the household income effect and the subjective well-being effect, and two moderating effects: employment type and family structure.
UNASSIGNED: Highlighting the positive value that digital finance brings to the perception of youth insurance participation and the construction of social security systems, it needs to pay close attention to the dynamic changes in employment security and family structure through data, and explore the socio-psychological fluctuation and demand for social security among modern youth. To provide a way forward to achieve the integration of the health insurance system in China and solve the current problem of health insurance equity.
UNASSIGNED: Based on the micro data from 2011 ~ 2021 Chinese General Social Survey (CGSS), this paper uses macro data from Digital Inclusive Finance Index (DIFI) matching to construct probit and m-logit model to assess the impact of the development of digital finance on Chinese youth whether or not to participate in health insurance, and how they choose the concrete type of health insurance.
UNASSIGNED: (1) Baseline regression results shows that digital finance has a significant positive effect on Chinese youth\'s health insurance participation decisions, and has different effects on choices within health insurance types. Strong support for the conclusions is provided by endogeneity and robustness tests. (2) The results of the heterogeneity analysis reveal that the marginal effect of digital finance on young people\'s health insurance decisions shows urban-rural differences, divergence in levels of self-rated health. (3) The mechanism analysis results suggest that there are two mechanism paths of digital finance on youth health insurance decisions: the household income effect and the subjective well-being effect, and two moderating effects: employment type and family structure.
UNASSIGNED: Highlighting the positive value that digital finance brings to the perception of youth insurance participation and the construction of social security systems, it needs to pay close attention to the dynamic changes in employment security and family structure through data, and explore the socio-psychological fluctuation and demand for social security among modern youth. To provide a way forward to achieve the integration of the health insurance system in China and solve the current problem of health insurance equity.
摘要：
■数字金融时代重塑了年轻人的生活方式,风险认知和保险参与决策。现代青年必须不断寻求合理的社会保障支持，并构建个人保护屏障，以适应新的生活方式和社会结构。中国的多层次，全民健康保险制度迫切需要满足年轻人的灵活需求和理性决策。
■基于2011~2021年中国综合社会调查(CGSS)的微观数据，本文利用数字普惠金融指数(DFI)匹配的宏观数据,构建Probit和m-logit模型,评估数字金融发展对中国青少年是否参加医保的影响,以及他们如何选择具体类型的健康保险。
■(1)基线回归结果显示，数字金融对中国青年医保参保决策具有显著的正向影响，对医疗保险类型的选择有不同的影响。内生性和稳健性检验为结论提供了有力的支持。(2)异质性分析结果表明,数字金融对青少年医保决策的边际效应表现出城乡差异。自评健康水平的差异。(3)机制分析结果表明,数字金融对青年医保决策的作用存在两种机制路径:家庭收入效应和主观幸福感效应,和两个调节作用：就业类型和家庭结构。
■突出数字金融给青年参保认知和社会保障体系建设带来的积极价值，需要通过数据密切关注就业保障和家庭结构的动态变化，并探讨了现代青年的社会心理波动和对社会保障的需求。为实现我国健康保险制度的整合，解决当前健康保险公平问题提供了前进之路。
■基于2011~2021年中国综合社会调查(CGSS)的微观数据，本文利用数字普惠金融指数(DFI)匹配的宏观数据,构建Probit和m-logit模型,评估数字金融发展对中国青少年是否参加医保的影响,以及他们如何选择具体类型的健康保险。
■(1)基线回归结果显示，数字金融对中国青年医保参保决策具有显著的正向影响，对医疗保险类型的选择有不同的影响。内生性和稳健性检验为结论提供了有力的支持。(2)异质性分析结果表明,数字金融对青少年医保决策的边际效应表现出城乡差异。自评健康水平的差异。(3)机制分析结果表明,数字金融对青年医保决策的作用存在两种机制路径:家庭收入效应和主观幸福感效应,和两个调节作用：就业类型和家庭结构。
■突出数字金融给青年参保认知和社会保障体系建设带来的积极价值，需要通过数据密切关注就业保障和家庭结构的动态变化，并探讨了现代青年的社会心理波动和对社会保障的需求。为实现我国健康保险制度的整合，解决当前健康保险公平问题提供了前进之路。
