高风险的信贷借款模式:癌症与主要慢性疾病的比较
S M Qasim Hussaini1,2,3, Maria Pisu1,3, Gabrielle B Rocque1,3
1O'Neal Comprehensive Cancer Center, University of Alabama at Birmingham, Birmingham, AL.
JCO oncology practice
|November 26, 2024
概括
癌症和慢性疾病增加了低财富家庭的金融债务和房屋权益信贷额度 (HELOC) 使用. 这些健康冲击导致过度使用信贷和高风险借款,即使有保险.
科学领域:
- 卫生经济学 卫生经济学
- 医学社会学 医学社会学
- 公共卫生 公共卫生
背景情况:
- 癌症护理的财务毒性是一个公认的问题.
- 癌症和其他高死亡率慢性疾病对过度使用信贷和高风险借贷的影响尚不清楚.
研究的目的:
- 研究新的癌症诊断和主要慢性疾病如何影响财务债务和信用利用.
- 为了检查这些影响在不同的财富水平.
主要方法:
- 对2012-2018年健康和退休研究的回顾性分析.
- 检查了非住房金融债务,信用卡债务和家庭股权信贷额度 (HELOC) 访问.
- 使用线性概率回归模型,按家庭财富分层,以比较具有和没有新的健康冲击的家庭之间的结果.
主要成果:
- 财富低于中值的家庭和新的癌症诊断显示,金融债务增加了4.9个百分点,HELOC使用增加了3.9个百分点.
- 主要慢性疾病与金融债务增加3.6个百分点有关.
- 这些财务影响主要在低于中等财富的家庭中观察到,在高于中等财富的家庭中消失了.
结论:
- 患有癌症的低财富家庭承担的财务债务显著增加,并增加了他们对房屋权益的依赖.
- 癌症和慢性疾病会导致信贷过度使用和高风险借款,即使在拥有全面保险的人口中也是如此.
- 财富状况是健康冲击如何转化为财务困境和信用利用的关键因素.
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