The Empirical Analysis Of Long-term Care Insurance Demand's Influence Factors

In recent years,China's aging process is accelerating,and the elderly population is also growing.Because the risk of elder who are attacked by a disease is bigger,the elderly aging and aging status has also led to the disability elderly population into a rising trend.At the same time,the family structure becomes miniaturization,prices rising,rising health care costs and other factors make the traditional family care burden increase a lot,under this background,the commercial long-term care insurance arises at the historic moment.But due to a late start,long-term care insurance in our country is still at the primary stage of development,the lack of experience,which leads to the development of long-term care insurance in our country has a dilemma between supply and demand.Based on the contradiction,this paper will be from two aspects to analysis the problem:the nature of the theory analysis and empirical quantitative analysis,this can explain the influence degree of factors influencing the long-term care insurance demand in China,and this can provide policy support for the government and commercial insurance company decision-making reference for the development of long-term care insurance.This article will from the questions,analyze and solve problems the three major modules to analysis.First of all,the first module will put forward the problem of the imbalance between supply and demand of long-term care insurance in our country,this problem is put forward based on the domestic and foreign literature review,the comparison of foreign long-term care insurance system.Secondly,an empirical analysis of the logarithm linear model constitute the second module,to our country urban population over 60 as the research object,through the analysis of the "supply side" of life insurance,endowment insurance and medical insurance factors promote or substitute effect on long-term care insurance,plus the "demand side" of education degree,savings,quality of life,the unemployment rate,urbanization level have promoting effect on the long-term care insurance or not.Finally,the third module based on the empirical research conclusion,see the supply on demand,from the perspective of the "supply side",the implementation steps of the long-term care insurance,national policy support,the insurance company operation,medical resources,the public consciousness raising aspects are proposed,and then solve the problem of long term care insurance demand.