Health insurance is an essential instrument to ensure equal access to medical resources and promote the health of the general population. Robust evidence regarding whether migrant workers have benefited from available insurance schemes is limited. Drawing on survey data from the Rural Urban Migration in China (RUMiC) Project, this paper examines the effects of health insurance on migrant workers’ utilization of routine medical services, the medical burden, and the utilization of preventive medical services using a two-part model, the Heckman model, the Tobit model, and a probit model. Our findings indicate that, first, participating in medical insurance increases migrant workers’ probability of visiting a doctor. Unlike other medical insurance programs that positively affect migrant workers’ medical expenditure, the new rural cooperative medical system fails to play an effective role. Second, participation in any medical insurance program effectively reduces migrant workers’ medical burden and can improve the probability of preventive medical service utilization. Third, self-reported health and disease severity are pivotal to determining migrant workers’ medical expenditure. Fourth, high-income people have a good health status and a lower probability of becoming ill and can afford relatively higher medical expenses once they become ill. China’s medical insurance appears to mainly serve to reduce the financial burden for serious illnesses, reflecting important policy implications for policy-makers.

In the new era, to further promote urbanization development, it is necessary to continuously enhance the citizenship capabilities of migrant workers, improve the efficiency of labor resource allocation, and scientifically guide the settlement of the migrating population. The current process of rural migrant workers' urbanization in China exhibits new characteristics and issues. This is primarily manifested as follows: the trend of rural migrant workers' intra-provincial mobility is becoming increasingly evident; there is a significant structured divergence in the willingness of rural migrant workers to settle in cities; the work environment for rural migrant workers is less than optimistic; the challenge posed by the contrast between the high cost of urban living and the low labor productivity of rural migrant workers is more pronounced; and the phenomena of "labor shortage" and "employment difficulties" coexist. Recommendations include taking measures to create employment opportunities, streamline the settlement registration system, optimize the employment environment, and strengthen vocational skills training to enhance the citizenship capabilities of migrant workers.

The rapid development of information technology is both a challenge and an opportunity for traditional college classrooms. As the core course of finance major, "Investment Banking" needs to start from the characteristics of the course and use information technology to optimize the teaching mode and reform the teaching method. At present, there are some deficiencies in the teaching of "Investment Banking" in terms of teaching materials, teaching methods, teaching content, and teachers’ ability. This paper proposes a teaching reform approach from three aspects of teaching content, teaching methods, course assessment, and adopts diversified teaching methods to create a multi-dimensional hybrid online and offline blended teaching model that includes pre-class guidance, in-class teaching, post-class training, and teaching evaluation and feedback. This will better cultivate professional talents familiar with the capital market and investment banking theory and practice, and enhance students' professional practical ability and employment prospects.