中国的数字金融包容和全面的多层次医疗保险系统
Zhe Liu1, Xingyuan Wu2, Xi Chen3
1School of Medicine and Health Management, Tongji, Medical College, Huazhong University of Science and Technology, Wuhan, China.
Frontiers in public health
|May 9, 2025
概括
数字金融包容性显著提升了中国的多层次医疗保险体系 (MMIS),特别是通过扩大覆盖范围. 然而,存在区域差异,需要定制策略来改善金融包容性对医疗保健获取和可持续性的影响.
科学领域:
- 卫生经济学 卫生经济学
- 金融技术 金融技术
- 公共政策 公共政策
背景情况:
- 中国的多层次医疗保险体系 (MMIS) 对于社会福祉至关重要,在医疗保健成本上升和人口老龄化中,它保护公民免受医疗费用.
- 数字金融包容性对MMIS的影响未得到充分探索,尽管它有可能提高医疗保健准入和公平性.
- 在保障健康权利,防止医疗贫困和促进社会稳定方面,MMIS发挥着至关重要的作用.
研究的目的:
- 调查数字金融包容性对中国多层次医疗保险体系 (MMIS) 发展的影响.
- 分析数字金融包容的各个维度对MMIS发展的影响.
- 在MMIS上确定数字金融包容性有效性的区域差异.
主要方法:
- 使用重法和TOPSIS构建了一个MMIS开发矩阵.
- 使用面板数据回归模型来分析数字金融包容和MMIS之间的关系.
- 使用稳健性检查 (滞后的仪表变量,DML) 和因果森林模型进行异质性分析.
主要成果:
- 整体数字金融包容性指数及其"覆盖"维度对MMIS产生了显著的积极影响 (p < 0.05).
- 数字金融包容的"深度"和"数字化"维度显示出统计学上微不足道的效应 (p > 0.1).
- 与东部地区相比,数字金融包容的积极影响在中国中西部更为明显,这表明地区差异很大.
结论:
- 加强中部和西部地区的数字基础设施对于提高金融包容性覆盖率至关重要.
- 提高东部地区金融服务的深度和质量可以优化数字金融对MMIS的影响.
- 通过创新促进数字金融包容和MMIS的更深层次的整合,可以提高医疗保健的公平性和可持续性,解决区域差异.
相关概念视频
01:29Issues And Trends In Healthcare Delivery System
5.5K
The issues and trends in healthcare delivery are constantly changing. The COVID-19 pandemic is one recent issue that wreaked havoc on healthcare systems, causing a shortage of healthcare workers, high demand for medicines and supplies, and increased medical expenditure due to a lack of insurance. Other issues include rising healthcare costs and care fragmentation.
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
5.5K
01:26Methods Of Healthcare Delivery System
3.1K
At the different levels of the healthcare system, we see varying methods of healthcare used. These methods include managed care systems, case management, and primary healthcare.
Managed Care System:
The managed care system is designed to control the cost while maintaining the quality of care. The patient's care from admission to discharge is planned by the primary care provider or the case manager, also known as the gatekeeper. In a managed care system, the number of care providers is...
Managed Care System:
The managed care system is designed to control the cost while maintaining the quality of care. The patient's care from admission to discharge is planned by the primary care provider or the case manager, also known as the gatekeeper. In a managed care system, the number of care providers is...
3.1K
01:18Introduction To Health Care Delivery System
2.5K
The healthcare system is constantly changing and complex. Various services are available from different healthcare providers, but gaining access to these services has become challenging for people with limited healthcare insurance. Uninsured people present a challenge to healthcare because they frequently postpone or forego treatment.
The Institute of Medicine (IOM) advocates for a patient-centered, effective, safe, timely, equitable, and effective healthcare system. The National Priorities...
The Institute of Medicine (IOM) advocates for a patient-centered, effective, safe, timely, equitable, and effective healthcare system. The National Priorities...
2.5K
01:20Integrated Healthcare System
1.5K
An integrated healthcare system (IHS) is a set of organizations that provides for or arranges to provide coordinated and continuous service to a defined population. The IHS takes responsibility for that particular population's health status and outcome, both clinically and fiscally. An integrated healthcare system is a well-organized, well-coordinated, and collaborative network. The integrated delivery system is a network that connects different healthcare providers to deliver organized,...
1.5K
01:30Primary Healthcare Services
1.3K
Primary care promotes wellness and prevents disease. This care includes health promotion, education, protection (such as immunizations), early disease screening, and environmental considerations. Settings providing this type of healthcare include physician offices, public health clinics, school nursing, and community health nursing.
In 1978, international leaders convened in Alma-Ata, Kazakhstan, for what would be a pivotal event in global health. The Alma-Ata Declaration was the first to call...
In 1978, international leaders convened in Alma-Ata, Kazakhstan, for what would be a pivotal event in global health. The Alma-Ata Declaration was the first to call...
1.3K
01:30Health Information Technology and Healthcare Information System
753
Health Information Technology (HIT)
Health Information Technology, commonly called HIT, integrates advanced information systems and technology in healthcare settings. Its primary functions include:
Health Information Technology, commonly called HIT, integrates advanced information systems and technology in healthcare settings. Its primary functions include:
753