摘要
基于270份农村中青年居民问卷调查数据,运用Logistic回归模型,从个人特征、身体因素、替代因素、经济因素、认知因素5个方面,实证分析影响农村居民长护险购买意愿的因素。结果表明,身体健康自评、有否社保和商业保险、个人月收入、是否认同长护险能解决老年人照护问题等因素,对农村居民长护险购买意愿的影响显著。据此,对农村长护险的发展提出了政策建议。
A questionnaire survey was conducted among rural middle-aged and young residents.A total of 270 questionnaires was obtained.Using logistic regression models,we analyzed the influencing factors of purchasing intention of long-term care insurance from personal characteristics,physical factors,alternative factors,economic factors,and cognitive factors.Results showed that factors such as self-assessment of physical health,whether there is social security and commercial insurance,personal monthly income,and whether long-term care insurance can solve the problem of elderly care had a significant impact on rural residents'willingness to purchase long-term care insurance.Then,policy suggestions are put forward for the development of rural long-term care insurance.
作者
张瑞纲
胡毅敏
ZHANG Ruigang;HU Yimin(School of Economics,Guangxi University,Nanning Guangxi 530004,China;不详)
基金
国家自然科学基金项目“董事责任保险、企业特征与企业风险行为”(71863002)
广西高校人文社会科学重点研究基地“广西发展战略研究院”课题(2022GDSIQM08)。
关键词
农村居民
中青年人群
长期护理保险
购买意愿
挤出效应
rural residents
middle-aged and young population
long-term care insurance
purchasing intention
crowding out effect
