The Willingness Of The LTC Insurance In Ji'nan

With the development of aging society in China,the number of the aging people has been increased a lot.However,under such circumstances,the quality of the aging people has been declining recently.This is probably for the spread of chronic disease,the core tendency of families due to the social change and the problem raised from the traditional way of pension services.Therefore,the medical care for the aged has always been a hotspot both for the country and the people.As the most important measure used to deal with the problem we've proposed before,the establishment of the long-term care insurance system can not only meet the needs of long-term care for the aged,but also release the pressure of the young,so that the young people can devote themselves into work.As a result,the nursing care industry can be promoted,the employment opportunities can be improved,and in the long run,the economy and society of our country can be developed.This thesis is trying to dig out to what extent the risk preferences and risk recognitions of people in Jinan may affect their willing to participate the long-term care insurance system by doing the probit analysis with the help of STATA software.Besides,in the present thesis,the author will do a contrast experiment based on the risk recognitions of people in Jinan.By doing this,the author is intended to analyze the influence of risk recognitions on the insurance intentions of the people.Five hypotheses will be examined in this thesis,which are(1)the stronger willing of the people to participate the long-term care insurance system,the lower degree of their risk recognitions;(2)the recognition of influence,probability and severity in risk recognitions may have a significant difference in the insurance intentions of the people;(3)the risk recognitions work as a mediator in the relationship between risk preferences and insurance intentions.The result of the contrast experiment shows that the information obtained from the long-term care may influence the degree of the risk recognitions of the people being surveyed,thus may enhance their insurance intentions.The reasons for such changes can be summarized as(1)the poor knowledge of their own health conditions and the risk recognitions they may have during the long-term health care in the future,as well as the probability of suffering from the chronic disease are all work together to cause the inhibition of insurance intentions.(2)The cost and time needed for the long-term care have been underestimated due to the lack of knowledge of the conditions of disabled elders.For these people,we can see a significant difference in their insurance intentions when they are told such king of information.(3)The confusion of the current long-term care insurance system.In Jinan,the insurance intentions of people are restrained not only by the small categories and high costs of commercial business,but also by the lack of publicity of social insurance.Finally,this paper mainly discusses the two aspects of the long-term care insurance system in Ji'nan,including the improvement of the system and the supporting measures,and puts forward some countermeasures and suggestions from the angle of risk preference and risk cognition.Mainly to improve the long-term care insurance system including the management system,service system,three aspects of the supervision and management system;development measures including risk awareness,encourage commercial long-term care insurance,the three aspects of strengthening nursing staff.