[1]王 莉.商业长期护理保险市场影响因素及发展分析[J].卫生经济研究,2018,(08):19-23.
　WANG Li.Analysis on the Influencing Factors and Development of Long-term Nursing Commercial Insurance Market[J].Journal Press of Health Economics Research,2018,(08):19-23.
点击复制

商业长期护理保险市场影响因素及发展分析
分享到：

卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
期数:
2018年08期
页码:
19-23
栏目:
医保天地
出版日期:
2018-08-01

文章信息/Info

Title:
Analysis on the Influencing Factors and Development of Long-term Nursing Commercial Insurance Market
作者:
王 莉1
1.南方医科大学卫生管理学院，广东 广州　510515
Author(s):
WANG Li
School of Health Management, Southern Medical University, Guangzhou Guangdong 510515，China
关键词:
商业长期护理保险; 市场规模; 市场失灵; 政府管制
Keywords:
Commercial long-term nursing insurance;  Market size;  Market failure;  Government regulation
分类号:
F840.684
文献标志码:
A
摘要:
长期护理保险受制于信息不对称、动态市场合约、保单定价与受益结构、消费者有限知识、公共提供以及非正式照顾等因素，面临着有限的市场份额问题。为促进长期护理保险市场的发展，各国采取了多样性措施，将政府管制、产品创新与消费者教育相结合。基于国情差异，相关研究结论并不能直接运用于我国，但国外长期护理保险市场已有的运作经验与研究框架仍可为我国商业长期护理保险发展所借鉴。
Abstract:
Long-term nursing insurance is subject to limited market share due to factors including information asymmetry, dynamic market contracts, policy pricing and benefit structure, consumer limited knowledge, public offerings, and informal care. To promote the development of the long-term nursing insurance market, many countries have adopted a variety of measures to combine government regulation, product innovation and consumer education. Based on the differences in national conditions, relevant research conclusions cannot be directly applied to China. But the existing operational experience and research framework of foreign long-term nursing insurance market can still be used for the development of China's commercial long-term nursing insurance.

参考文献/References:

[1] 荆涛，长期护理保险——中国未来极富竞争力的险种[M].北京：对外贸易大学出版社，2006：19.
[2] Brown, J. R, A. Finkelstein.The Interaction of Public and Private Insurance: Medicaid and the Long-Term Care Insurance Market[J]. American Economic Review, 2008(6): 1083-1102.
[3] OECD. The OECD Health Project: Long Term Care for Older People[M].Paris: OECD Publishing, 2005.
[4] Doty P, Nadash P, Racco N. Long-term Care Financing: Lessons from France[J].The Milbank Quarterly, 2015, 93(2):359-391.
[5] Rothschild,M,J.E.Stiglitz.Equilibrium in Competitive Insurance Markets: an Essay on the Economics of Imperfect Information[J]. Quarterly Journal of Economics, 1976(90): 630-649.
[6] A. Finkelstein，K. Mcgarry. Private Information and its Effect on Market Equilibrium: New Evidence from Long-Term Care Insurance[EB/OL]. http://www.nber.org/papers/w9957，2003.
[7] E. Oster，etal. Genetic Adverse Selection: Evidence from Long-Term Care Insurance and Huntington Disease[EB/OL].http://www.nber.org/ papers/w15326，2009.　
[8] M.J.Browne，Z.R.Tian. Lemons or Cherries??Asymmetric Information in the German Private Long-term Care Insurance Market[J]. The Geneva Papers, 2014, 39 (10): 603-624.
[9] A. S. Macdonald, D. J. Pritchard. Alzheimer's Disease, and Long-term Care Insurance[J]. North American Actuarial Journal，2001,5(2): 54-78.
[10] A. Finkelstein,?K.McGarry,?A.Sufi. Dynamic Ineffciencies in Insurance Markets: Evidence from Long-Term Care Insurance[EB/OL]. http://www.nber.org/papers/w11039. 2005.
[11] J.R. Brown, A. Finkelstein, Why is the market for long-term care insurance so small?[J]. Journal of Public Economics, 2007(91):1967-1991.
[12] J.R. Brown, A. Finkelstein.The Private Market for Long-term Care Insurance in the United States: A Review of the Evidence[J]. The Journal of Risk and Insurance, 2009, 76(1): 5-29.
[13] AHIP. Who Buys Long-Term Care Insurance: A 15 Year Study of Buyers and Non-Buyers 1990-2005[EB/OL]. http://www.ahip.org/content/ default.aspx?bc=39|341|328|21022.2007.
[14] J. Costa-Font, M. Font. Does “Early Purchase” Improve the　Willingness to Pay for Long-term　Care Insurance? [J]. Applied Economics Letters, 2009(16):1301-1305.
[15] C. Courbage，N. Roudaut. Long-term Care Insurance: The French Example[J]. European Geriatric Medicine, 2011 (2): 22-25.
[16] T. Zhou-Richter，M. J. Browne.H Grundl. Don’t They Care? Or, Are They Just Unaware? Risk Perception and the Demand[J]. Journal of Risk and Insurance, 2010, 77 (4):715-747.
[17] J.R.Brown, A.Finkelstein. The Interaction of Public and Private Insurance　Medicaid and the Long-Term Care Insurance Market[EB/OL]. http://www.nber.org/papers/w10989. 2004.
[18] 叶朝晖，王沁.欧洲长期护理保险的发展路径及启示[J].中国保险，2014（10）：56-60.
[19] Kim EY, Cho E, Lee NJ.Effects of Family Caregivers on the Use of Formal Long-term Care in South Korea[J]. International Nursing Review, 2013,60(4):520-527.
[20] C. Courbage，N. Roudaut.Long-term Care Insurance: The French Example[J]. European Geriatric Medicine ,2011 ( 2 ):22-25.
[21] Zweifel,P,Strüwe,W.Long-Term Care Insurance in a Two- Generation　Model[J]. The Journal of Risk and Insurance, 1998,65(1): 13-32.
[22] Zweifel, P, Strüwe, W.Long-term Care Insurance and Bequests as Instruments for Shaping　Intergenerational Relationships[J]. Journal of Risk and Uncertainty, 1996(12):65-76.
[23] Mellor, J.M. Long-term Care and Nursing Home Coverage: Are Adult Children Substitutes for　Insurance Policies? [J].Journal of Health Economics, 2001, 20(4): 527-547.
[24] Davidoff, T. Illiquid Housing as Self-Insurance: The Case of Long-Term Care[EB/OL]. http://ssrn.com/abstract=1009738.2008.
[25] H. Lin, J. Prince.The Impact of the Partnership Long-term Care Insurance Program on　Private Coverage[J].Journal of Health Economics, 2013 (32): 1205-1213.
[26] Chin .C W, Phua K. H. Long-Term Care Policy: Singapore's Experience [J]. Journal of Aging & Social Policy, 2016, 28(2):113-129.
[27] Mulvey J. Factors Affecting the Demand for Long-Term Care Insurance: Issues for Congress[EB/OL].http://www.advanceclass.org/ images/ PDFs/CRS042312.pdf. 2012.
[28] Comas-Herrera, et al. Barriers and opportunities for private long-term care insurance in England: what can we learn from other countries? In: McGuire etal , The LSE Companion to Health Policy. UK ：Edward Elgar Publishing Limited Edward Elgar, Cheltenham, UK,2012:258-282.
[29] 王茜, 朱昱秀姝.美国长期护理保险对我国的借鉴意义[EB/OL].http://www.financialnews.com.cn/bx/bxsd/201611/ t2016111 6_107942.html.
[30] Colombo, F, et al. Help Wanted? Providing and Paying for Long-Term Care[M]. Paris：OECD Publishing,2011.
[31] Courtemanche C.,D. He. Tax incentives and the decision to purchase long-termcare insurance[J]. Journal of Public Economics,2008(93): 296-310.
[32] Stevenson D G, Frank R G, Tau J. Private Long-term Care Insurance and State Tax Incentives[J]. Inquiry: The Journal of Health Care Organization, Provision, and Financing, 2009, 46(3):305-321.
[33] Riedel H. Private Compulsory Long-term Care Insurance in Germany[J]. The Geneva Papers on Risk and Insurance - Issues and Practice, 2003, 28(2):275-293.
[34] Cramer, A.T,G.A. Jensen.Why don’t People Buy Long-term Care Insurance?[J]. Journal of Gerontology: Social Sciences, 2006, 61B (4), 185-193.
[35] Le Bihan, Blanche, Martin, Claude. Reforming Long‐term Care Policy in France: Private–Public Complementarities[J]. Social Policy & Administration, 2010, 44(4):392-410.

相似文献/References:

[1]靳 慧,赵明月,谢慧玲.中国商业长期护理保险发展现状分析[J].卫生经济研究,2024,41(04):51.
　JIN Hui,ZHAO Mingyue,XIE Huiling.Analysis of the Development Status of Commercial Long-Term Care Insurance in China[J].Journal Press of Health Economics Research,2024,41(08):51.

更新日期/Last Update: 2018-07-30