灾难性卫生支出对慢性病患者家庭的经济负担：财务比率分析。
Financial burden of catastrophic health expenditure on households with chronic diseases: financial ratio analysis.
机构信息
Post Doc, Department of Health Administration, Graduate School·BK21 Graduate Program of Developing Glocal Experts in Health Policy and Management, Yonsei University, Wonju, South Korea.
Department of Humanities and Social Medicine, College of Medicine and Catholic Institute, for Healthcare Management, The Catholic University of Korea, Seoul, South Korea.
出版信息
BMC Health Serv Res. 2022 Apr 27;22(1):568. doi: 10.1186/s12913-022-07922-6.
BACKGROUND
The financial status of households is vulnerable to chronic diseases which entail high medical expenses and income loss. Financial strain can be assessed by four indicators: a household surplus indicator, the liquid asset/debt ratio, a solvency indicator, and a liquidity indicator. We investigated the association between catastrophic health expenditure (CHE) and financial ratio indicators in households with chronic diseases in South Korea.
METHODS
This study applied thresholds to the financial ratios to determine the financial strain. We conducted multiple logistic regression analyses to determine whether CHE is associated with financial strain. Furthermore, we analyzed the relationship between CHE and basic financial indicators, absolute finance size, using multiple linear regression.
RESULTS
When CHE occurred, all financial ratio indicators deteriorated. However, this was not due to decreases in the absolute size of wealth and income, but rather the relative balance between finances. In particular, the loss of liquid assets was a major factor in the deterioration. In addition, all types of labor-related income deteriorated; only private transfer income increased.
CONCLUSIONS
This study revealed that CHE in households with chronic diseases negatively impacts household finances. It was found that financial coping strategies are only resource consuming.
背景
家庭的财务状况容易受到慢性病的影响，这些疾病需要高昂的医疗费用和收入损失。财务压力可以通过四个指标来评估：家庭盈余指标、流动资产/债务比率、偿债能力指标和流动性指标。我们调查了韩国患有慢性病的家庭中灾难性卫生支出（CHE）与财务比率指标之间的关系。
方法
本研究应用了财务比率的阈值来确定财务压力。我们进行了多项逻辑回归分析，以确定 CHE 是否与财务压力有关。此外，我们还使用多元线性回归分析了 CHE 与基本财务指标（绝对财务规模）之间的关系。
结果
当发生 CHE 时，所有财务比率指标都恶化了。然而，这并不是由于财富和收入的绝对规模减少，而是由于财务之间的相对平衡关系。特别是，流动资产的损失是恶化的主要因素。此外，所有类型的与劳动相关的收入都恶化了；只有私人转移收入增加了。
结论
本研究表明，慢性病患者家庭的 CHE 对家庭财务状况产生负面影响。研究发现，财务应对策略只是资源消耗。
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