讲座题目：When Pollution Becomes Visible: Public Information and Health Insurance Demand

讲座时间：2026年10月23日10：00

讲座地点：中央财经大学沙河校区东区二教306

主讲人：黄炜教授，北京大学国家发展研究院

主讲人简介：北大博雅青年学者、北大国发院经济学教授、海外高层次国家级青年人才计划入选者、国家社科基金重大项目首席专家、国发院本科教学主任、中国经济研究中心副主任、健康老龄与发展研究中心副主任。先后任职于美国经济研究局（NBER）、新加坡国立大学（NUS）和美国埃默里大学（Emory University）。研究兴趣主要集中于劳动经济学、健康经济学和公共经济学等领域。黄炜老师于2016年获得哈佛大学经济学博士学位。黄炜老师在Nature、REStat、AEJ-applied、JoLE、JPubE、JDE、JHR、JEP和《经济研究》、《管理世界》、《经济学（季刊）》、《世界经济》等经济学权威学术期刊上发表论文50余篇。担任国际SSCI杂志EoT共同主编，JDE、JHE、JEBO、CER和JAE副主编以及《经济学》（季刊）副主编。曾获张培刚发展经济学青年学者奖，青木昌彦经济学论文奖，教育部人文社科优秀成果-青年成果奖等。

讲座摘要：Timely information strengthens individual adaptation to uncertain environmental threats, particularly in information-scarce developing countries. We study how transparency about hidden health risks shapes financial protection behavior. Using monthly household panel data and the staggered rollout of China’s real-time PM2.5 monitoring, we show that making invisible pollution visible increased public health-insurance enrollment by 2.48 percentage points (≈6 percent). The effect builds gradually and is confined to voluntary participants, consistent with belief accuracy and heightened awareness rather than administrative change. Searches for PM2.5 and medical spending rose in parallel, while employer behavior remained unchanged. A further analysis suggests that households not only adjusted their insurance participation but also diversified their protective strategies in ways consistent with defensive investment against health risks. The findings demonstrate how low-cost transparency can realign risk perception and strengthen social insurance participation in low-enforcement environments.

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（撰稿：王吉元；审稿：马冰；编辑：王维；审核：周桦）