湖南省长期护理保险供求影响因素分析

发布时间：2018-12-21 11:33

【摘要】：2000年，我国全面进入老龄化社会，与此同时，湖南省也进入了老龄化社会。截止2013年底，湖南省60岁及以上老年人口已达1033.02万人，占总人口的15.56%，比全国平均水平还要高，这意味着湖南省的老龄化程度已经比较严重。随着年龄增长，老年人患病、失能的概率会越来越高，人们对长期护理的需求会不断增加。与此同时，随着家庭结构小型化、医疗费用居高不下、社会保障水平有限等实际情况，加快湖南省长期护理保险的发展变得更加重要。我国学者对该险种进行过多方面的研究，但大多数文献都是对长期护理保险在我国整体的开展情况进行分析，而且定性分析多，定量分析少。本文首先对长期护理保险的相关概念进行了界定，并分别对我国及湖南省的长期护理保险发展的背景、老年护理医疗机构资源和长期护理保险的发展情况进行了介绍。其次，针对湖南省的具体情况，从湖南省长期护理保险的需求和供给两个方面入手，在理论上对其影响因素进行了分析，并分别通过进行调查问卷、查找资料的方式搜集整理各项与长期护理保险相关的统计数据，在此基础上建立统计模型，用统计软件对影响湖南省长期护理保险需求和供给的因素进行数据分析。结果表明，，文化程度、生活自理能力、月收入、护理意愿、子女个数对湖南省长期护理保险的需求影响显著；基本医疗保险总支出、保险公司的资产额对湖南省长期护理保险的供给的影响显著。最后，根据对供给和需求影响因素的分析结果，基于供求均衡的思路以及实际面临的问题，对推动湖南省长期护理保险健康的发展，从居民、政府、保险公司几个方面提出相关的政策建议。
[Abstract]:In 2000, our country entered the aging society, at the same time, Hunan Province also entered the aging society. By the end of 2013, Hunan's population of 60 and older had reached 10.3302 million, accounting for 15.56 percent of the population, which is higher than the national average, which means the aging of Hunan is already serious. With age, the elderly get sick, the probability of disability increases, and the need for long-term care increases. At the same time, with the miniaturization of family structure, high medical expenses and limited social security, it is more important to speed up the development of long-term nursing insurance in Hunan Province. Chinese scholars have studied the insurance in many aspects, but most of the literatures have analyzed the development of long-term nursing insurance in our country, and the qualitative analysis is more, but the quantitative analysis is less. In this paper, the concept of long-term nursing insurance is defined, and the background of long-term nursing insurance in China and Hunan Province, the resources of geriatric nursing institutions and the development of long-term nursing insurance are introduced. Secondly, according to the specific situation of Hunan Province, starting with the demand and supply of long-term nursing insurance in Hunan Province, the paper theoretically analyzes its influencing factors, and carries out questionnaires respectively. The statistical data related to long-term nursing insurance were collected and sorted by the way of searching data, and the statistical model was established on the basis of which, and the factors influencing the demand and supply of long-term nursing insurance in Hunan Province were analyzed by statistical software. The results showed that education level, self-care ability, monthly income, nursing intention and the number of children had a significant impact on the demand for long-term care insurance in Hunan Province. The total expenditure of basic medical insurance and the assets of insurance companies have a significant effect on the supply of long-term nursing insurance in Hunan Province. Finally, according to the results of the analysis of the factors affecting supply and demand, based on the idea of balance between supply and demand and the problems faced in reality, to promote the healthy development of long-term nursing insurance in Hunan Province, from the residents to the government, Several aspects of the insurance company put forward relevant policy recommendations.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.6

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