Table 6.
Heterogeneity test–urban-rural differences.
Variable | OLS | Logit | Tobit | |||
---|---|---|---|---|---|---|
Rural area | Urban area | Rural area | Urban area | Rural area | Urban area | |
(1) | (2) | (3) | (4) | (5) | (6) | |
Binsurance | 0.1261** (0.0633) |
0.0734* (0.0420) |
0.2516** (0.1181) |
0.1633* (0.0863) |
0.1261** (0.0632) |
0.0734* (0.0419) |
Age | −0.0523*** (0.0060) |
−0.0425*** (0.0061) |
−0.1017*** (0.0112) |
−0.0973*** (0.0127) |
−0.0523*** (0.0060) |
−0.0425*** (0.0061) |
Age_2 | 0.0003*** (0.0001) |
0.0002*** (0.0001) |
0.0006*** (0.0001) |
0.0005*** (0.0001) |
0.0003*** (0.0001) |
0.0002*** (0.0001) |
Gender | 0.1996*** (0.0287) |
0.1304*** (0.0301) |
0.3589*** (0.0530) |
0.2952*** (0.0620) |
0.1996*** (0.0286) |
0.1304*** (0.0301) |
Edu | 0.1900*** (0.0431) |
0.1003*** (0.0346) |
0.2955*** (0.0801) |
0.1842** (0.0712) |
0.1900*** (0.0430) |
0.1003*** (0.0345) |
Marriage | 0.2518*** (0.0631) |
0.1549** (0.0614) |
0.3924*** (0.1176) |
0.3199** (0.1264) |
0.2518*** (0.0630) |
0.1549** (0.0613) |
Ln_fincome | 0.0788*** (0.0082) |
0.0526*** (0.0111) |
0.1424*** (0.0157) |
0.0910*** (0.0236) |
0.0788*** (0.0082) |
0.0526*** (0.0110) |
Neighbor | −0.0358*** (0.0078) |
−0.0277*** (0.0074) |
−0.0627*** (0.0146) |
−0.0591*** (0.0154) |
−0.0358*** (0.0078) |
−0.0277*** (0.0074) |
Familysize | −0.0040 (0.0104) |
−0.0072 (0.0136) |
−0.0116 (0.0193) |
−0.0034 (0.0283) |
−0.0040 (0.0104) |
−0.0072 (0.0135) |
Sinsurance | −0.0395 (0.0593) |
0.0323 (0.0611) |
−0.0508 (0.1101) |
0.0706 (0.1286) |
−0.0395 (0.0592) |
0.0323 (0.0610) |
Invest | −0.0433 (0.0816) |
0.0991** (0.0421) |
−0.0828 (0.1505) |
0.2318*** (0.0857) |
−0.0433 (0.0815) |
0.0991** (0.0421) |
N | 4,996 | 3,679 | 4,996 | 3,679 | 4,996 | 3,679 |
R2 | 0.1752 | 0.1594 | 0.0660 | 0.0655 | 0.0639 | 0.0620 |
The ***, **, and * in the table respectively show the significance under the significance level of 1%, 5%, and 10%, and the robust standard errors are shown in the brackets. The same as in the following tables.