Analysis Of Influencing Factors Of Long-term Care Insurance Demand

Since 2001,China has entered an aging society,and the problem of aging has become more and more serious.According to the data of China Statistical Yearbook 2017,by the end of 2016,the population aged 65 and abover in China was 150.03 million,accounting for 10.8% of the total population.Under the background of serious aging problem,the increasing prevalence rate of chronic diseases and the increase in life expectancy of the population have led to an increasing demand for nursing care for the elderly,and this has led to social concerns about elderly care.However,under the current background of society,problems such as the miniaturization of family size,the unsound development of social pension institutions,commercial long-term care insurance needs to be improved,and the lack of basic quality of nursing staff have caused a serious shortage of long-term care.Studying the influencing factors of long-term care insurance demand can better measure the demands and make specific recommendations,which is of great significance for solving the problem of serious imbalance of needs and supply in long-term careThrough field research study the recognition and acceptance of long-term care insurance of the city residents,then find the main factors that affect people's need for long-term care insurance,and then put forward targeted countermeasures to promote the healthy development of long-term care insurance.This article first introduced the research background and research significance of long-term care insurance and the research status of the influencing factors of long-term care insurance demand at home and abroad;Then explain the relevant concepts of long-term care insurance,introduce practice exploration of long-term care insurance at home and abroad;and then build a theoretical model of the factors affecting the long-term care insurance demand.Based on the data from the field surveys,we conducted correlation analysis and regression analysis on the personal characteristics,health aspects,concepts aspects,economic aspects,and cognitive aspects of respondents,and obtained health factors,economic factors,concept factors,trust factors,the age and number of children of personal characteristics have a significant effect on the demand for long-term care insurance;Finally,the following countermeasures based on the above analysis and conclusions of empirical research: Establish a government-led compulsory long-term care insurance;increase residents' income levels and enhance their ability to pay fees;establish and improve relevant systems and regulations;strengthen the training of nursing professionals;promote long-term care insurance through multiple channels and raise people's awareness of nursing.