人寿保险和社会保险对长期护理保险需求影响的实证分析

发布时间：2018-04-16 05:14

本文选题：长期护理保险 + 人寿保险　；参考：《复旦大学》2013年硕士论文

【摘要】：随着20世纪末我国人口老龄化问题的加剧,近几年来长期护理保险成为我国保险领域的研究热点。越来越多的国内学者基于长期护理保险的需求、产品设计、国际比较、制度政策展开研究。然而目前为止,研究方法主要局限于定性分析和基于问卷调查的定量分析,研究内容主要是多种因素的共同讨论。本文主要针对人寿保险和社会保险对长期护理保险需求的影响进行研究,通过收集二手数据,利用2006年至2011年30个省份的面板数据,建立双对数线性模型来进行实证分析,结论包括人寿保险对长期护理保险需求主要表现出替代作用,而社会保险对长期护理保险需求主要表现出促进作用,并得到其他因素对长期护理保险需求的影响。同时,本文基于研究结论对我国长期护理保险的发展提出了相关的建议,有一定的实用价值。本文分为五章,第一章是引言,介绍了本文的研究背景、研究内容、研究方法、论文结构以及论文的创新与不足；第二章阐述了国内外相关文献的研究成果,并进行文献评述；第三章阐述了长期护理保险的概况,为之后的阐述提供了依据；第四章分为理论分析和实证分析两部分,通过这两种研究方法的结合,对人寿保险和社会保险对长期护理保险需求的影响进行了分析；第五章总结了本文的不足之处和后续研究的方向,并对如何发展我国长期护理保险提出了一些建议。
[Abstract]:With the aggravation of the aging population in China at the end of the 20th century, long-term nursing insurance has become a hot research topic in the field of insurance in recent years.More and more domestic scholars research on the demand of long-term care insurance, product design, international comparison and institutional policy.However, so far, the research methods are mainly limited to qualitative analysis and quantitative analysis based on questionnaires.This paper focuses on the impact of life insurance and social insurance on the demand for long-term care insurance. Through collecting second-hand data and using panel data of 30 provinces from 2006 to 2011, a double-logarithmic linear model is established to carry out empirical analysis.Conclusion Life insurance plays an important role in replacing the demand of long-term care insurance, while social insurance plays an important role in promoting the demand of long-term care insurance, and the influence of other factors on the demand of long-term care insurance is obtained.At the same time, based on the conclusion of the study, this paper puts forward some relevant suggestions for the development of long-term nursing insurance in China, which has certain practical value.This paper is divided into five chapters, the first chapter is the introduction, which introduces the research background, research content, research methods, the structure of the paper and the innovation and deficiency of the paper, the second chapter describes the research results of relevant literature at home and abroad, and carries on the literature review;The third chapter describes the general situation of long-term care insurance, which provides the basis for the later elaboration; the fourth chapter is divided into two parts: theoretical analysis and empirical analysis, through the combination of these two research methods,This paper analyzes the influence of life insurance and social insurance on the demand of long-term care insurance. Chapter five summarizes the deficiency of this paper and the direction of follow-up research, and puts forward some suggestions on how to develop long-term care insurance in China.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.6

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