长期护理保险制度与养老服务市场化——基于双变量Probit模型的分析

Long-term Care Insurance System and the Marketization of Aged Services: An Analysis Based on Bivariate Probit Model

使用双变量probit模型的方法,实证研究在对长期护理保险政策不同评价之下,影响主体选择市场化护理服务的决定因素。结果表明:满意长期护理保险政策条件下,选择市场化养老的概率比不满意条件下高且差距不大。说明长期护理保险制度确实增加了居民购买市场化养老服务的意愿,并主要是增加了购买养老机构服务的居民意愿,居民仍有日常照护、社区照护、医疗服务融合服务等尚未满足的需求,长期护理制度需要进一步完善。

Using the bivariate probit model approach, the determining factors that influence the subject s choice of market-based care services under different evaluations of long-term care insurance policies are studied. The results show that under the same conditions as other factors, the probability of choosing market-based pension is high and the gap is small when the satisfaction of long-term care insurance is less than satisfactory. It shows that the long-term care insurance system has indeed increased the willingness of residents to purchase market-based aged care services, and mainly increased the willingness of residents to purchase services for old-age care institutions. Residents still have unmet needs such as daily care, community care, and medical service integration services and the long-term care system needs to be further improved.