Research On The Influencing Factors Of Long-term Care Insurance In Qingdao

In recent years,with the rapid development of China's economy,a series of social problems have also come along: the aging of the population,the extension of life expectancy,the prevalence of chronic diseases gradually increased......All these problems point to the problem of long-term care for the elderly,that is,there is a huge demand for long-term geriatric care in our country.However,in today's social development China,family size,social pension institutions are not perfect,the development of commercial insurance to improve the quality of nursing staff,lack of basic and long-term care makes a serious shortage of supply,the lack of performance for the shortages of both quality and quantity.In order to solve the problem of long-term care demand and supply imbalance situation,on the basis of the experience of developed countries such as Japan and the United States to establish long-term care of the social insurance system,through the actual investigation of the way of people's understanding for this system and the recognition of attitude,find the influence factors of long-term nursing insurance needs,and then put forward the corresponding countermeasures for the future,the establishment of the system implementation and provide the basis for decision making.The actual research process,in a large number of literature review based on the analysis of questionnaire,taking Shandong city of Qingdao Province as the sample,through the combination of social investigation and analysis way of SPSS research of the city residents of long-term care insurance attitude and recognition,find the main factors affecting the demand for long-term the nursing insurance,and then puts forward some countermeasures,in order to provide a reference for the establishment and development of the system.First of all,from the individual characteristics of respondents,health level,economic level,ideological level four aspects were analyzed,the ideological level can be divided into cognitive factors,ideological factors,trust factors.In order to make the research more simple and direct,"analogy needs" long-term care insurance for the economics of the "demand",combining the demand is the "intention" and "ability",the long-term care insurance demand compared to "willingness" and "insurance decision",the study of effects of various factors on the two variables,finally obtains the main influencing factors of long-term care insurance needs.The results of empirical analysis show that the influence factor index system has a significant influence on long-term care insurance demand.Health factors,economic factors,insurance consciousness,risk consciousness,insurance cost sharing cognition,insurance awareness and national policy factors on the demand of long-term care insurance effect,the degree of health and economic factors impact on long-term care insurance is the most significant,and there was no significant effect of demand payment and insurance companies operating conditions and individual factors of long-term care insurance.