How Does a Health Insurance Program Covering 500 Million Poor Impact Credit Market Outcomes?

被引：0

作者：

Tantri, Prasanna ^{[1
]}

机构：

[1] Indian Sch Business, Ctr Analyt Finance, Hyderabad 500032, India

来源：

MANAGEMENT SCIENCE | 2025年 / 71卷 / 06期

关键词：

health insurance; household finance; banking; access to finance; ECONOMIC CONSEQUENCES; MEDICAID; MORTALITY; CONSUMPTION; EXPANSIONS; FINANCE;

D O I：

10.1287/mnsc.2023.01039

中图分类号：

C93 [管理学];

学科分类号：

12 ; 1201 ; 1202 ; 120202 ;

摘要：

I study the impact of the world's largest publicly funded health insurance plan for the poor on credit markets. India launched a health insurance plan that covered 500 million beneficiaries. The fact that opposition-ruled states did not implement the program for political reasons allows me to compare border districts of implemented and nonimplemented states within a difference-in-differences framework. I find that loan delinquency reduced significantly in implemented districts. Increased liquidity for loan repayment seems to be the mechanism at work. I rule out the federal-level ruling party's influence as an explanation.

引用

页码：4533 / 4551

页数：20

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