子女情况对父母长期护理保险购买意愿的影响研究

A Study on the Influence of Children's Situation on the Willingness of Parents' Long-Term Care Insurance to Purchase

基于问卷调查数据,运用Probit回归模型从父母视角分析了子女情况如何影响父母长期护理保险购买意愿。实证结果表明,子女数量、子女受教育情况、子女的经济状况、父母与子女的关系、父母与子女的居住距离、父母与子女之间经济独立情况及子女对长期护理保险的偏好等对父母的长期护理保险需求有重要影响。其中,子女数量越少、子女受教育程度越高、子女经济状况越好、父母与子女的关系越差、父母与子女居住距离越远,父母购买长期护理保险的意愿越强。针对上述研究结果,并在此基础上进行深入分析,为我国长期护理保险的构建提出相关建议。

In this paper,we construct a probit model on the basis of questionnaire study data to study how children＇s situation affect their parents to purchase long-term care insurance from the perspective of parents.The empirical results show that the number of children,the children＇s education,the economic status of children,the relationship between parents and their children,the living distance between parents and their children,the economic independence between parents and their children and children＇s preference for long-term care insurance are the main influencing factors of parents＇ will to purchase long-term care insurance.The lower the number of children,the higher the education level of the children,the better the economic situation of the children,the worse the relationship between the parents and their children,the farther the parents and their children live,the stronger the willingness of parents to purchase long-term care insurance.Based on the research results and in-depth analysis of this paper,we offer relevant suggestions for the construction of long-term care insurance in China.