中国长期护理保险需求影响因素分析  

Analysis on the Influencing Factors of Demand of Long-term Care Insurance in China

作　　者：曹信邦[1] 陈强[2] 

机构地区：[1]南京财经大学就业与社会保障研究中心 [2]中国银行如皋支行

出　　处：《中国人口科学》2014年第4期102-109,128,共8页Chinese Journal of Population Science

基　　金：国家社会科学基金项目"长期护理保险制度的财务规划理论与方法研究"(编号:12BGL086)的阶段性成果

摘　　要：文章以27个省份2 790份调查数据为基础,运用Logistic回归模型分析样本人群护理保险需求的影响因素,以探讨中国长期护理保险制度的合理性。分析结果表明,西部地区、年轻人和低龄老人、身体健康、政府机关和股份制企业工作、家庭收入高、长期护理服务质量认可程度高的居民参保意愿明显高于其他被调查对象。文章认为,政府应该关注失能老人长期护理的风险,建立以政府为主体的强制性公共护理保险制度,并通过政府适度的财政补贴、保险知识的宣传和普及,引导公众积极参加长期护理保险。Based on the 2 790 survey samples from 27 provinces and cities in the eastern,central and western China,this paper analyses the influence factors on care insurance demands and explores the rationality of establishing the long-term care insurance system in China by using the Logistic regression model.Groups with significantly higher willingness of being insured are those living in the western region and being young and healthy,those staying in high family income and those having a high degree of acceptting the quality of the long-term care services.The paper points out that government should pay attention to the risk of long-term care among the disabled elderly,establish the mandatory public care insurance system in which the government plays the main role,and guide the public to participate in the long-term care insurance by financial subsidies,knowledge promotion and popularisation.

关 键 词：长期护理保险 参保意愿 影响因素 

分 类 号：F842.6[经济管理—保险]