Analysis Of The Influence Factors Of Long-Term Nursing Insurance Demand

The expansion of the aging population structure,the increase of empty nests for the elderly caused by urbanization,the need for disability care bring about a rapid increase in the demand for long-term care and the increasing burden of family economy.The State Council issued the Opinions of the State Council on the Implementation of Healthy China Action calling for the improvement of the system of health care services for the elderly and the exploration of long-term care insurance systems.In order to promote the development of long-term care insurance of china,explore the factors that affect the demand of long-term care insurance,and provide economic protection for the combination of long-term care insurance companies and companies to achieve "old care protection".This paper uses the literature research method to summarize the similarities and differences between the factors of long-term care insurance demand,combined with the comparative analysis of the implementation of long-term care insurance at home and abroad,such as Qingdao,Shijiazhuang,etc.,and then explores the influence path of various factors on the long-term care insurance requirements through theoretical causal analysis,qualitative and quantitative analysis,selects the provincial macro panel data,based on the analysis of a number of factors,establish a hybrid regression model,fixed effect,random effect model,take LSDV method,LM test and hausman test select fixed effect model to analyze the effect of demand factors.This paper analyzes the economic factors,cognitive factors,substitution factors,aging and health factors,long-term nursing service supply and family structure from the theoretical and empirical point of view,and establishes the hybrid regression model,fixed effect model and random effect model of consumer health care expenditure as an alternative variable of long-term care insurance demand,and finally establishes the optimal fixed effect model.And by quantifying the impact of relevant factors on the demand for long-term nursing insurance,the empirical results show that the average annual disposable income of residents,the ratio of elderly support,the ratio of child support,regional GDP,and education are positively related to the demand for long-term care insurance.The interest rate and price level crowd out the demand for long-term care insurance,and the sex ratio reflects that the time required for care is positively related to long-term care insurance.Combined with the relevant experience and empirical results of long-term nursinginsurance at home and abroad,it is found that in the actual implementation,pay attention to expand diversified fund channels,prevent excessive dependence on medical insurance funds,form government grants,medical insurance co-ordination,individual contributions and social contribution financing methods,unified energy-saving standards,government purchase services introduced into commercial insurance companies,social care institutions,and so on,to standardize the training of professional nursing personnel.It is believed that china should make commercial insurance and social insurance connect with social insurance in the process of long-term nursing insurance,take a development path with Chinese characteristics,control risks through both management and supervision,standardize nursing standards and professional standards,make rational use of insurance funds,encourage industrial development,reduce costs for insurance companies,nursing institutions and policyholders,expand the old age industry,strengthen data use,and introduce,design and promote insurance products.