数字化时代的数字医保: 内涵、价值、挑战与治理思路

在人口老龄化背景下，健康投资已经成为非常重要的家庭投资活动。同时，随着数字社会的来临，互联网、数字技术逐渐与传统医疗健康产业深度融合，影响着家庭健康投资决策及其实现形式。研究使用中国家庭追踪调查（CFPS）2014年、2016年、2018年数据，运用双向固定效应模型、工具变量估计、中介效应模型等方法，系统考察了互联网使用对家庭健康投资的影响，并对其传导机制进行了分析。结果表明，互联网使用显著提升了家庭健康投资的概率和规模，对城镇人口、高教育水平家庭、高收入家庭的提升作用更加明显，同时，互联网使用还通过信息资本机制和同辈压力机制促进了家庭的健康投资。

Investment in human capital

Under the background of population aging, health investment has become a very important investment activity for households in China. At the same time, with the advent of digital society, the internet and digital technology are gradually integrated with the traditional medical and health industry, affecting household health investment decisions and their realization forms. Using data from the China Family Panel Studies (CFPS) in 2014, 2016 and 2018, this paper examines systematically the impact of internet use on household health investment, and analyzes its transmission mechanism by using two-way fixed effect model, instrumental variable estimation, and mediating effect model.The results show that internet use can significantly increase both the probability and amount of household health investment, and the increase is more significant for households in urban areas, with higher education levels and high income. The mechanism analysis shows that internet use promotes household health investment mainly through the mechanisms of information capital and peer pressure.