Study On The Participation Intention And Influencing Factors Of Long-term Care Insurance For Urban And Rural Residents

As the population aging and all kinds of dangerous factors increasing,the scale of the disabled people in our country is expanding day by day.Under the background of traditional family care has weakened and social care has not been developed sufficiently,the problems of daily care for the disabled elder have become very serious.It is very necessary to develop elder's long term care insurance.At present,long-term care insurance is in the initial stage in our country.It is very important to understand the willingness of urban and rural residents to choose the long-term care insurance system and the influencing factors of long-term care insurance for the healthy operation and sustainable development of long-term care insurance.In this paper,descriptive statistics and cross-linked tables are used to analyse the willingness of urban and rural residents to choose different modes of long term care insurance.Use nominal logistic regression analysis to analyse the influence of system factors,cost-benefit factors,risk cognitive factors,family care factors,attention focus effect on the rural and urban residents'participation of long-term care insurance.Descriptive statistics show that the choice of long term care insurance system for urban and rural residents is not only consistent,but also different.And urban and rural residents in the long-term care system choice also presents a variety of characteristics.Specifically,in terms of the choice of participants,overall,the choice of urban and rural residents is roughly balanced,but rural residents believe that long-term care insurance should cover farmers more willing.in terms of fund raising,rural and urban residents prefer the combination of individual contribution,social integration and government allowance.In terms of payment,urban and rural residents are more in favor of monthly and annual contributions.In terms of the duration of payment,urban and rural residents choose a variety of options,but the majority choose to pay 15years in a row,more overpaid.On the subject of management,rural and urban residents are more in favor of higher level government to hold,the majority think long-term care insurance should be held by central government.In terms of fund operation and management,the majority think it should be managed by government and operated by enterprise.In the treatment of payment,the selection of cash payment,home care,community nursing and the concentration of nursing care in the nursing institutions are roughly balanced,and the choice of urban and rural residents presents diversity.By nominal logistic regression model,we find that system factors,cost-benefit factors,risk cognitive factors,family care and attention focus effect have a significant effect on the rural and urban residents'participation of long-term care insurance.Based on the above findings,this paper suggests that the choice of long-term care insurance system should be inclusive in terms of coverage,flexibility in insurance contributions,and pertinence in payment of benefits.Moreover,we should also strengthen the construction of long-term nursing insurance system and government subsidy.strengthen the propaganda of the long-term nursing insurance knowledge,improve the residents,awareness of anti-risk.Give a reasonable guide,gradually changing the concept“bring up children for one,s old age”.Improve the construction of service system about Nursing service.Build a good social service environment.