我国长期照护保险需求影响因素分析——基于江苏省的实证研究

目的:对我国长期照护保险需求的影响因素进行探究,为我国建立完善长期照护保险制度提供参考。方法:以江苏省调研数据为例,采用因子分析、多元回归和Logistic回归等计量方法进行分析。结果:(1)从主观态度角度来看,护理费用、家属支付能力、保险观念、护理需求和慢性病认知均与长期照护保险需求存在正相关关系,并且影响显著;(2)从人口统计学角度来看,文化程度高的居民购买长期照护保险的意愿更高。结论:我国应充分考虑长期照护保险需求的影响因素,提高城乡居民收入,加大宣传力度,鼓励护理机构多层次发展,构建以政府为主导的长期照护服务体系。

The influencing factors of long-term care insurance demand in China: An empirical study based on Jiangsu Province

Objective:To explore the influencing factors of the long-term care insurance demand in Jiangsu province and provide reference for the establishment and improvement of a perfect long-term care insurance system in China. Methods:Factor analysis, multiple regression analysis and logistic regression analysis were applied for analyzing the survey data collected from Jiangsu province. Results:(1) From the perspective of subjective attitude factors, nursing expenses, family ability to pay, insurance concepts, nursing needs and chronic disease awareness and long-term care insurance demand are positively correlated, and the impact was significant; (2) From the perspective of demographic factors, residents with a high level of education are more willing to buy long-term care insurance. Conclusions:The Chinese government should take full account of the influencing factors of long-term care insurance demand, improve the income of urban and rural residents, increase promotional activities, and encourage nursing institutions to develop at different levels, and build a government-led long-term care service system.