医疗保险对家庭金融配置的影响研究Researchontheinfluenceofmedicalinsuranceonhouseholdfinancialallocation摘要本篇论文研究的主要问题有两个，一是医疗保险对家庭风险金融资产持有的概率，二是家庭风险金融资产持有比例的影响要素。本文根据国内外相关研究，归纳总结影响家庭金融资产配置的主要因素，再依据研究问题的特征建立合适的Probit模型和Tobit模型，对其进行实证分析。近年来，我国的金融市场处于一个不断发展完善的过程，居民对投资的关注明显增强，以居民家庭为投资单位的角色在金融市场中比例上升。随着金融市场的发展与成熟，家庭能够接触到更多的金融产品，通过审慎决策优化金融资产配置，家庭为规避金融市场中的风险会增加预防性储蓄，这在一定程度上对消费和投资有所抑制。我国医疗保障体系尚处于发展健全阶段，以社会医疗保险为主体，商业医疗保险为补充。参与医疗保险能够帮助家庭分散风险，降低不确定性，进而减少预防性储蓄并调整资产配置结构。因此，研究医疗保险和家庭金融资产的关系可以帮助家庭合理化投资决策，优化资产配置，实现良好的财富增长，对我国金融市场和社会保障体系的完善也有一定的现实意义。关键词：家庭金融；资产配置；社会保障ResearchontheinfluenceofmedicalinsuranceonhouseholdfinancialAssetallocationAbstractThetwocoreissuesofthispaperaretheinfluenceofmedicalinsuranceontheprobabilityandproportionofholdingriskyfinancialassetsinhouseholds.Basedonrelevantresearchathomeandabroad,thispapersummarizesthemainfactorsaffectingtheallocationofhouseholdfinancialassets,andthenestablishestheappropriateProbitmodelandTobitmodelaccordingtothecharacteristicsoftheresearchquestions.Empiricalanalysisiscarriedoutwiththedataof36074householdsamplesofChinesehouseholdfinancesurvey.WiththecontinuousdevelopmentandimprovementofChina'sfinancialmarket,residents'investmentawarenesshasbeenenhanced,andfamilieshavegraduallyplayedanimportantroleinthefinancialmarket.Inthecurrentmarketenvironment,householdsareabletoaccessmorefinancialproductsandoptimizetheallocationoffinancialassetsthroughprudentdecisions.Inordertoavoidrisksinthefinancialmarket,householdswillincreaseprecautionarysavings,whichwillinhibitconsumptionandinvestment.China'smedicalsecuritysystemisstillinthestageofdevelopmentandimprovement,withsocialmedicalinsuranceasthemainbodyandcommercialmedicalinsuranceasthesupplement.Participationinhealthinsurancehelpshouseholdsspreadriskandreduceuncertainty,whichinturnreducesprecautionarysavingsandrealignmentsassetallocation.Therefore,thestudyoftherelationshipbetweenmedicalinsuranceandfamilyfinancialassetscanhelpfamiliesrationalizeinvestmentdecisions,optimizeassetallocation,achievegoodwealthgrowth,andhascertainpracticalsignificancefortheimprovementofChina'sfinancialmarketandsocialsecuritysystem.KeyWords：Familyfinance;Assetallocation;Thesocialsecurity目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II引言....................................................................................................................................1一、绪论................................................................................................................................2（一）研究背景.............................................................................................................2（二）研究的目的与意义...................
