长期护理保险对中老年人生活满意度的影响--基于CHARLS数据的实证分析

The Impact of Long-term Care Insurance on Life Satisfaction of the Middle-aged and the Older People:An Empirical Analysis based on CHARLS Data

基于积极应对人口老龄化的背景,选用中国健康与养老追踪调查(CHARLS)数据库,结合我国当前的长期护理保险制度背景,运用多时点双重差分模型研究长期护理保险对我国中老年人生活满意度的影响。研究结果发现,长期护理保险对中老年人生活满意度有显著的改善效应,通过异质性分析发现该效应在性别、婚姻状态和孩子数量层面存在异质性,即长期护理保险对男性、其他婚姻状态和少子的中老年人生活满意度有显著的改善效应;并通过机制分析发现,长期护理保险会通过增加代际经济资助对中老年人的生活满意度产生改善效应。研究建议:加快推进我国长期护理保险的试点进程,并扩大长期护理保险的覆盖范围,将城乡居民纳入到保障范围内。

Based on the background of actively responding to the aging of the population,the China Health and Retirement Longitudinal Study(CHARLS)database,the paper explore the multi-time double difference model to study the impact of long-term care insurance on the life satisfaction of middle-aged and elderly people in China.The results shows that long-term care insurance has a significant improvement effect on the life satisfaction of middle-aged and elderly people.The heterogeneity analysis indicate this effect has heterogeneity in gender,marital status and number of children.The long-term care insurance has a significant improvement effect on the life satisfaction of men,and those with other marital status.The mechanism analysis found that the long-term care insurance can improve the elders'life satisfaction by increasing inter-generational economic support.Therefore some suggests are put forward accordingly including the acceleration of the pilot process of long-term care insurance in China for expanding the coverage of long-term care insurance covering all the residents in the urban and the rural.