城乡居民长期护理保险给付偏好的实证分析——以山西省为例  

An Empirical Analysis of Long-term Care Insurance Payment Preference of Urban and Rural Residents:A case Study of Shanxi Province

作　　者：韩伟[1,2] 赵云英 Han Wei;Zhao Yunying

机构地区：[1]燕山大学经济管理学院,河北秦皇岛066004 [2]燕山大学区域经济发展中心,河北秦皇岛066004

出　　处：《保险职业学院学报》2021年第5期59-64,共6页Journal of Insurance Professional College

基　　金：河北省社会科学基金项目“契合需求的河北省社会长期护理保险制度研究(HB20GL038)”;河北省高等学校人文社会科学重点研究基地经费资助项目“基于公众满意度视角的社会长期护理保险地区差异研究(JJ1908)”。

摘　　要：随着老龄化程度的加深,设计契合需求的长期护理保险制度迫在眉睫。本文从城乡居民需求偏好出发,通过交叉分析和无序多分类Logistic回归,得出:实物给付在城市居民中的接纳度较高,现金给付在农村居民中的接纳度较高;城市居民对护理服务质量最为关心,农村居民对护理服务费用关心程度最高;居家护理是城乡居民照护方式的首选。进而提出在护理服务资源稀缺的农村地区,可在制度建立初期进行一定量的现金给付,在城市地区以实物给付为主;适当加大对农村地区的财政补贴力度;构建以居家护理为主的多元长期护理照护体系等政策建议。With the deepening of aging,meeting-needs’design of long-term care insurance system is urgent.Based on the preferences of urban and rural residents,through cross analysis and disordered multi classification Logistic regression,it concludes that the acceptance of physical payment is higher among urban residents,while the acceptance of cash payment is higher among rural residents.Urban residents care most about the quality of nursing service while rural residents care most about the cost.Home care is the first choice for urban and rural residents.Then it is suggested that in rural areas where there is a shortage of care resources,a certain amount of cash payment can be made at the beginning,while in urban areas,service payment is mainly used.Then appropriately increase financial subsidies for rural areas,and build a multi-long term nursing care system based on home care.

关 键 词：长期护理保险 给付偏好 城乡差异 

分 类 号：F840.61[经济管理—保险]