长期护理保险有效需求影响因素的实证分析——基于消费者视角  

作　　者：卢小芳 

机构地区：[1]兰州财经大学,甘肃兰州730100

出　　处：《保险职业学院学报》2020年第6期58-63,共6页Journal of Insurance Professional College

摘　　要：2000年,我国正式迈入老龄化国家行列。为解决老龄化产生的护理需求高涨,老人生活质量下降等问题,各界大力发展长期护理保险。然而,从我国引入长期护理保险至今,其发展极其缓慢。本文立足消费者视角,选取影响长期护理保险有效需求形成的因素,据此确定相应的指标和数据并标准化,消除量纲差异影响,运用多元线性回归模型进行实证分析,以探究各个因素的影响作用。结果表明,消费者对保险的认可度和护理服务的质量对我国长期护理保险有效需求的形成有显著的影响,而消费者的受教育程度、老人和子女的经济状况则影响有限。文章最后基于实证结果,提出一些建议措施。In 2000,China officially joined the ranks of aging countries.In order to solve the problems of high nursing demand and declining quality of life of the elderly caused by aging,people from all walks of life have vigorously developed long-term nursing insurance.However,since the introduction of long-term care insurance in China,its development has been extremely slow.Based on the perspective of consumers,this pa⁃per selects the factors that affect the formation of effective demand for long-term care insurance,determines the corresponding indicators and data and standardizes them accordingly,eliminates the influence of dimen⁃sional differences,and uses multiple linear regression model for empirical analysis to explore the influence of various factors.The results show that consumers'acceptance of insurance and the quality of nursing services had a significant impact on the formation of effective demand for long-term care insurance in China,while consumers'education level,the economic status of the elderly and their children had limited impact.Finally,based on the empirical results,the article puts forward some suggestions and measures.

关 键 词：长期护理保险 消费者视角 有效需求 影响因素 

分 类 号：F842.6[经济管理—保险]