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研究生:林政諺
研究生(外文):Lin, Cheng-Yen
論文名稱:健保政策對家戶消費支出之影響
論文名稱(外文):The effects of National Health Insurance policy on household consumption
指導教授:吳文傑吳文傑引用關係
指導教授(外文):Wu, Wen-Chieh
口試日期:2019-06-03
學位類別:碩士
校院名稱:國立政治大學
系所名稱:財政學系
學門:商業及管理學門
學類:財政學類
論文種類:學術論文
論文出版年:2019
畢業學年度:107
語文別:中文
論文頁數:77
中文關鍵詞:家戶消費可支配所得健保政策國內生產毛額
外文關鍵詞:Household consumptionDisposable incomeHealth insurance policyGDP
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本文使用行政院主計總處橫跨1991年到2017年的家庭收支調查的橫斷面個體資料探討家戶可支配所得、家戶特性與健保政策對其消費支出的影響。除了建構OLS迴歸模型觀察健保相關解釋變數對於家戶消費支出之邊際效果外,亦利用本業薪資、財產所得收入將家戶分組,觀察各群體在健保政策實施後其消費行為的差異。

實證結果發現,一代健保實施後,薪資所得對於總體家戶消費呈現正向相關。進一步探究各家戶群組之差異,對於中低及中高薪資家戶而言,薪資所得與家戶消費呈顯著正向關係,但對其他薪資家戶組之消費則沒有顯著影響。二代健保實施後,財產所得收入對總體家戶消費呈顯著負向關係。進一步分析則可發現對高財產所得家戶來說,財產所得與家戶消費呈現負向關係;但對其他家戶組之消費而言則呈現正向關係。另外也可發現國內生產毛額與家戶消費為顯著正向關係。
The cross-sectional individual data of Household Income and Expenditure Survey data from 1991 to 2017 is used in this paper to examine the effect of household disposable income, household characteristics and health insurance policy on consumption expenditures. In addition to constructing the OLS regression model to examine the marginal effect of independent variables related to health insurance on household consumption expenditures, we also analyze household consumption by full time payroll and property income class to observe the differences in consumption behaviors of various household groups after the implementation of health insurance policy.

The empirical findings show that after the implementation of the first-generation NHI, the salary income has a positive effect on overall household consumption. For further details, for the household with medium-low and medium-high full time payroll, full time payroll has a significant positive impact on household consumption, but shows no impact on other household groups’ consumption. After the implementation of the second-generation NHI, property income has a significant negative effect on overall household consumption. As for the household with high property income, property income has a negative impact on household consumption, but shows positively related to the consumption for other household groups. In addition, GDP has a positive effect on household consumption.
第壹章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 6
第三節 研究方法與限制 7
第四節 研究架構 8
第貳章 文獻回顧 9
第一節 理論文獻 9
第二節 實證文獻 10
第參章 研究方法 18
第一節 模型設定 18
第二節 變數說明與預期符號 21
第肆章 資料來源與敘述統計 29
第一節 資料來源 29
第二節 樣本限制 29
第三節 敘述統計 30
第伍章 實證結果 36
第一節 模型檢定 36
第二節 健保政策對消費之實證結果分析 37
第陸章 結論與建議 43
參考文獻 46
中文文獻 46
英文文獻 48
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