中国长期照护保险个人缴费意愿研究

Research on the Willingness of Individual Payment for Long-term Care Insurance in China

鉴于目前中国社会保险总体缴费率已经偏高,新增长期照护保险险种无疑会增加个人缴费负担,如果不了解公众个体的缴费意愿盲目进行政策设计,会导致其筹资进程难以推进。文章基于中国12个省份实地问卷调查数据,分析了不同人群长期照护保险的缴费意愿及可接受的缴费比例。研究结果表明,自评健康越差、学历越高、收入水平越高、年龄越大、兄弟姐妹数量越少、子女数量越少、城市规模越大,缴费意愿越强烈;西部地区、中部地区、东北地区、东部地区的缴费意愿强度依次提高。针对不同人群的差异化缴费意愿,文章提出了相应的长期照护保险个人缴费政策建议。

Due the high level of current overall contribution rate of China’s social insurance,any new long-term care insurance payment will further increase the burden of individuals.If the public policy do not take into consideration of individuals’willingness of payment,it is likely to result in great difficulties in financing and make it infeasible.In this context,based on the questionnaire survey data collected from 12 provinces in China,this paper analyzes the willingness of payment and acceptable contribution rate for the long-term care insurance among different groups.The results show that people who have poorer self-rated health,higher education,higher income,fewer brothers and/or sisters,smaller number of children,or from larger cities,have higher willingness to make payment.The average willingness of payment increases from western region to central region,northeast region and eastern region progressively.This paper proposes a differentiated payment design targeting at different groups of population.