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             第5期 总第112期                           南京医科大学学报（社会科学版）京医科大学学报（社会科学版）
               2022年10月                     Journal of Nanjing Medical University（Social Sciences）of Nanjing Medical University（Social Sciences）  · 457  ·
                                            Journal
             ［34］陈林，伍海军. 国内双重差分法的研究现状与潜在问                           应用［J］. 心理学报，2005，37（2）：268-274
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                  148                                               participation on environmental attitude ⁃ behavior corre⁃
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                  影响——基于CHARLS数据的实证分析［J］. 江西财经                 ［39］ 江艇. 因果推断经验研究中的中介效应与调节效应
                  大学学报，2021（1）：68-79                                ［J］. 中国工业经济，2022（5）：100-120
             ［36］ 林治芬. 中国社会保障的地区差异及其转移支付［J］.                   ［40］马超，俞沁雯，宋泽，等. 长期护理保险、医疗费用控制
                  财政研究，2002（5）：37-40                                与价值医疗［J］. 中国工业经济，2019（12）：42-59
             ［37］温忠麟，侯杰泰，张雷. 调节效应与中介效应的比较和                                                   （本文编辑：姜       鑫）






                Long⁃term care insurance，household income level，and household
                         consumption: empirical study based on CHARLS data


                                                   MA Guangbo，XU Kun
                    School of Finance and Public Administration，Anhui University of Finance and Economics，Bengbu 233030，China
                 Abstract：China’s deepening aging and the increasing burden of household elderly care may adversely
             affect consumption，as how to promote household consumption while maintaining the health of the elderly is a
             practical problem faced by China in the process of deepening reform. Based on data from the China Health and
             Retirement Longitudinal Study（CHARLS），the effect of long⁃term care insurance policy on household consumption
             is evaluated using the difference⁃in⁃differences method. The results find that long⁃term care insurance policy has
             a significant positive effect on household consumption；the heterogeneity test shows that urban and east⁃central
             regions are more affected by the policy than the control group and the effect tends to expand. Further study
             finds that the mediating effect clearly reveals the transmission mechanism of“long⁃term care insurance policy—
             household income level—household consumption”. This paper identifies the mechanisms and transmission paths
             between long⁃term care insurance policy and household consumption，which helps bring into play the health
             and economic effects of long ⁃ term care insurance and provide valuable references for further deepening the
             reform of the health care system.
                 Key words：long⁃term care insurance；household consumption；income level；difference⁃in⁃differences
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