Analysis On The Influencing Factors Of Long-Term Nursing Insurance Demand Based On The Post-90S Children

According to statistics show that the end of 2011,China’s elderly population aged 60 and above has been close to 185 million people,accounting for about 13.7%of China’s total population,making the aging in recent years become a regular topic.Its pension problems,its grim Sexual and long-term will have a significant impact on the country’s economic and social development.First,under the dual pressures of improving the average life expectancy and declining fertility,the population structure has changed dramatically,the elderly have increased and the fertility rate has been reduced,so that the pension is under severe pressure.Family structure narrowed,"421" structure,"8421" structure of the family gradually increasing,even the emergence of a large number of "empty nest family",and less children also has become an important cause of pension problem difficult to solve.Second,the modern work and life has undergone tremendous changes which has shocked the traditional pension model.On the one hand,the female labor participation rate increased.On the other hand,the intensification of competition makes the work of modem city people and life more and more pressure,many ordinary couples fall into both parents to take care of their parents but also can not delay the work of the cracks.In the face of the elderly need to care for the problem,there is no effective solution.Third,the cost of care costs bring a larger pension economic pressure.Potential long-term care needs are one of the enormous economic risks we face,not just the elderly,including adult children who provide direct care or financial help.In summary,potential long-term care needs are one of the enormous economic risks we face,not just the risk of the elderly themselves,but also children who provide direct or economic assistance.Similar to fire insurance,we found that long-term care insurance needs depend on risk awareness.The stronger the risk awareness of children,the greater the demand for long-term care insurance,whether it is adult children to buy,or parents under the influence of women to buy.This paper first introduces the research background and research contents of long-term nursing insurance,and taking the post-90 children who are facing the problem of parental care as the research object to investigate the role of post-90 children in long-term care insurance needs.And then through the 489 questionnaires for probit regression analysis,to obtain the impact of long-term care needs of China’s three factors:personal characteristics,long-term care risk perception,post-90 children after the future thinking and arrangements,found that risk perception and future thinking Significantly affecting the potential demand for long-term care insurance.Based on the above conclusions,this paper puts forward relevant policy recommendations.