我国失能老人长期护理保障融资制度研究——基于个人态度的视角  

An Empirical Research on the Long-term Care Financing System for Disabled Senior Citizens—Based on the Individual Attitude View

作　　者：陈璐[1] 范红丽[1] 

机构地区：[1]南开大学经济学院风险管理与保险学系,天津300071

出　　处：《保险研究》2014年第4期110-120,共11页Insurance Studies

基　　金：天津市2013年度哲学社会科学规划项目资助(项目编号:TJYY13-048);南开大学亚洲研究中心资助(项目编号:AS1201)

摘　　要：个人的态度表明对于社会福利制度的需求。通过问卷调查数据,采用多元无序离散选择模型,分析个体对于失能老人长期护理费用来源渠道的选择,以及对政府推行长期护理社会保险的态度和对融资方式的选择。研究表明:长期护理风险的认知能够使受访者选择购买商业长期护理保险的概率增加10%,对现行基本医疗保险政策的明晰能够使支持构建长期护理社会保障制度的概率增加8.8%;如果政府构建长期护理保障制度,50岁以上的低收入群体希望政府负担全部缴费,接近退休年龄的高收入群体出于对当前收入和福利水平的考虑不赞同企业参与缴费,以上结论为政府构建长期护理保障制度提供决策依据。Individual attitudes indicate their needs for the social welfare system. Using questionnaire survey data and multiple disordered discrete selection model, this paper empirically explored on the choice of individuals for sources of the long-term care cost of the disabled elderly, and their attitudes towards government＇ s implementation of long-term care social insurance and the choice of methods for long-term care financing. The research showed that the awareness of the long-term care risk increased the probability of buying commercial long-term care insurance by 10% ,and clear understanding of the basic social healtheare policy could increase the support for establishing the long-term care social security system by 8.8%. It also showed that low-income individuals aged 50 and older hoped that the government should be responsible for paying all the cost, while high-income respondents approaching retire- ment age disagreed that the enterprises contributed to the social LTC insurance cost out of their consideration of the current income level and social welfare standards. The above conclusions can provide some bases for government＇ s decision-making on building the social long-term care security system.

关 键 词：长期护理 个人态度 融资制度 

分 类 号：F840.6[经济管理—保险]