[1]黎周浩.长期护理保险与农村老年群体消费扩容提质效应分析[J].卫生经济研究,2024,41(09):74-78.
　LI Zhouhao.Study on the Expansion and Quality Improvement Effect of Long-term Care Insurance on the Consumption of Rural Elderly Population[J].Journal Press of Health Economics Research,2024,41(09):74-78.
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长期护理保险与农村老年群体消费扩容提质效应分析
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
41
期数:
2024年09期
页码:
74-78
栏目:
健康老龄化
出版日期:
2024-08-29

文章信息/Info

Title:
Study on the Expansion and Quality Improvement Effect of Long-term Care Insurance on the Consumption of Rural Elderly Population
作者:
黎周浩1
1.广东省医疗保障事业管理中心，广东 广州 510030
Author(s):
LI Zhouhao
Guangdong Medical Security Management Center, Guangzhou Guangdong 510030, China
关键词:
长期护理保险; 农村老年群体; 消费; 收支不确定性
Keywords:
long-term care insurance;  rural elderly population;  consumption;  income and expenditure uncertainty
分类号:
R19
文献标志码:
A
摘要:
目的：分析长期护理保险（长护险）试点对农村老年群体消费的扩容提质效应。方法：基于CHARLS四期调查面板数据，运用双重差分模型实证检验长护险对农村老年群体消费的影响。结果：长护险主要通过降低暂时性收入波动和随机性健康支出的不确定性，对农村老年群体消费产生扩容提质效应，且在多元筹资模式、失能家庭和老龄化程度较高地区的扩容提升效应更为明显。结论：长护险试点对农村老年群体消费具有显著的扩容提质效应，应持续扩大长护险试点和待遇覆盖范围，加强社商合作，制定差异化长护险制度，充分满足农村老年群体的消费需求。
Abstract:
Objective To analyze the expansion and quality improvement effect of long-term care insurance pilot on the consumption of rural elderly population. Methods Based on the panel data of the fourth CHARLS survey, the double difference model was used to empirically test the effect of long-term care insurance on the consumption of rural elderly population. Results Mainly through reducing temporary income fluctuations and random health expenditure uncertainty, long-term care insurance had the expansion and quality improvement effect on the consumption of rural elderly population. The expansion and quality improvement effect was more obvious in the areas with multiple financing modes, disabled families, and higher degree of aging. Conclusion The pilot of long-term care insurance has a significant expansion and quality improvement effect on the consumption of rural elderly population. It is necessary to continue to expand the pilot of long-term care insurance and treatment coverage, strengthen the cooperation between the society and the business, and develop a differentiated long-term care insurance system, so as to fully satisfy the consumption needs of rural elderly population.

参考文献/References:

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更新日期/Last Update: 2024-08-29