长期护理保险对家庭代际转移支付的影响  

Impacts of Long-Term Care Insurance on Intergenerational Household Transfers

作　　者：王煜正 杨再贵[1] 王乃琦 WANG Yuzheng;YANG Zaigui;WANG Naiqi(China Institute for Actuarial Science,Central University of Finance and Economics,Beijing 102206,China)

机构地区：[1]中央财经大学中国精算研究院

出　　处：《金融评论》2024年第1期130-153,156,共25页Chinese Review of Financial Studies

基　　金：教育部人文社会科学重点研究基地重大项目“中国特色多层次养老保障体系研究”(项目批准号:22JJD790091);教育部人文社会科学规划基金项目“全国统筹和延迟退休视域下城镇职工基本养老保险财务状况随机预测研究”(项目批准号:23YJA630119);高等学校学科创新引智计划“保险风险分析与决策学科创新”(项目批准号:B17050);中央财经大学科教融合研究生学术新星孵化计划“长期护理保险的代际效应研究”(项目批准号:202215)的支持。

摘　　要：长期护理保险的家庭代际资源分配效应在优化收入分配格局的进程中发挥着重要作用。基于中国健康与养老追踪调查(CHARLS)数据、中国长期护理保险试点政策数据库(CLIP)和《中国城市统计年鉴》数据,本文使用渐进双重差分法和事件研究法检验长期护理保险对家庭代际转移支付的影响。研究发现:长期护理保险试点实施带来了家庭代际向下转移支付的增加,而家庭代际向上转移支付没有明显变化;长期护理保险通过改善失能老人的健康状况和经济状况从而增加家庭代际向下转移支付,且家庭代际向下转移支付是由失能老人的利他动机驱动的;长期护理保险试点实施使参保家庭的经济资源增长。上述结果揭示出完善长期护理保险制度设计及优化家庭收入分配结构的必要性。The intergenerational resource allocation effects of long-term care insurance(LTCI)play a crucial role in optimizing income distribution patterns.Utilizing data from the China Health and Retirement Longitudinal Study(CHARLS),the China Pilot Long-Term Care Insurance Policy Database(CLIP),and the China Urban Statistical Yearbook,this study employs the staggered difference-in-differences method and the event study method to examine the effects of LTCI on family intergenerational transfers.Our findings indicate that downward household intergenerational transfers increased following the pilot implementation of LTCI,while upward household intergenerational transfers remained largely unchanged.The LTCI contributed to the rise in family intergenerational downward transfers by enhancing the health and economic status of disabled elderly individuals,driven by altruistic motives.Furthermore,the LTCI resulted in increased economic resources for insured families.These results underscore the importance of refining the design of long-term care insurance systems and optimizing the structure of family income distribution.

关 键 词：长期护理保险 代际转移支付 家庭经济 

分 类 号：F842.62[经济管理—保险]