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本文建立Tobit模型,研究健康状况对家庭金融资产选择的影响,并对健康状况的作用机制进行分析。研究结果表明,居民的客观健康状况对金融资产持有量的影响不显著;居民主观健康状况对城市和农村居民金融资产持有均具有显著的负向影响。户主的年龄、参与医保决策能够在一定程度上解释城镇和农村户主健康风险的影响。
This paper establishes a Tobit model to study the impact of health status on the choice of family financial assets and to analyze the mechanism of health status. The results show that the objective health status of residents has no significant effect on the holding amount of financial assets. The subjective health status of residents has a significant negative impact on the holding of financial assets of urban and rural residents. The age of head of household and their participation in health insurance decisions explain to some extent the health risks of urban and rural heads of household.