[1]郑 军,张琦雪.财政补贴对长期护理保险需求的影响研究[J].西安建筑科技大学学报(社会科学版),2022,41(02):62-72.[doi:10.15986/j.1008-7192.2022.02.009]
　ZHENG Jun,ZHANG Qi-xue.A Study on the Impact of Financial Subsidies on Long-term Care Insurance Demand[J].Journal of Xi'an University of Architecture & Technology(Social Science Edition),2022,41(02):62-72.[doi:10.15986/j.1008-7192.2022.02.009]
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财政补贴对长期护理保险需求的影响研究()
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西安建筑科技大学学报（社会科学版）[ISSN:1008-7192/CN:61-1330/C]

卷:
41
期数:
2022年02期
页码:
62-72
栏目:
经济与管理
出版日期:
2022-04-26

文章信息/Info

Title:
A Study on the Impact of Financial Subsidies on Long-term Care Insurance Demand
文章编号:
1008-7192(2022)02-0062-11
作者:
郑 军;  张琦雪
(安徽财经大学 金融学院，安徽 蚌埠233030)
Author(s):
ZHENG Jun;  ZHANG Qi-xue
(School of Finance, Anhui University of Finance and Economics, Bengbu 233030, China)
关键词:
财政补贴;  长期护理保险;  需求;  财政补贴比例
Keywords:
financial subsidies;  long-term care insurance;  demand;  the proportion of financial subsidies
分类号:
F842
DOI:
10.15986/j.1008-7192.2022.02.009
文献标志码:
A
摘要:
尝试构建一个在政府干预下的消费均衡模型，包含财政补贴对长期护理保险需求的消费函数模型与理论框架分析，系统诠释财政补贴对长期护理保险需求影响的作用机制与影响效应。研究结果表明，增加财政补贴支出额度会增加可支配收入，促进长护险的消费，提高长护险的需求; 增加财政补贴比例会增加养老保障水平，通过提高长期护理保险供给来提高需求。财政补贴受到经济发展水平的影响，对长期护理保险需求的影响存在地区差异性。进一步拓展发现，在经济水平低的地区的补贴效果优于经济水平高的地区，即中西部补贴效果普遍优于东部。为了满足老年群体的长期护理保险需求，政府应在承受范围内适当提高补贴支出额度，确定合理的财政补贴比例，建立更加灵活合理的财政补贴制度，同时不可忽视地区经济的发展，从而带动长期护理保险的健康发展。
Abstract:
This paper builds a consumption equilibrium model under government intervention, including the consumption function model and the theoretical framework analysis of financial subsidies that long-term care insurance needs, and explains the mechanism and effect of the impact of financial subsidies on long-term care insurance systematically. The research results show that increasing the financial subsidy expenditure will raise the disposable income, promote the consumption of long-term care insurance, and increase the demand for long-term care insurance. Increasing the proportion of government financial subsidies will improve the level of pension security and improving the supply of long-term care insurance will boost the demand. Since financial subsidies are affected by the level of economic development, there are regional differences in the demand for long-term care insurance. It is found in the further study that the subsidy effect in areas with low economic level is better than those with high economic level. Namely, the subsidy effect in central and western China is generally better than that in eastern China. In order to meet the needs of long-term care insurance for the elderly, the government should appropriately increase the amount of subsidies within the bearing scope, determine a reasonable proportion of financial subsidies, establish a more flexible and reasonable financial subsidy system, and take seriously the regional economic development so as to drive the healthy development of long-term care insurance.

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备注/Memo

备注/Memo:
收稿日期:2021-11-09
作者简介:郑 军(1976-),男,安徽财经大学金融学院教授,博士,硕士生导师,研究方向为农业保险与农村社会保障; 张琦雪(1996-),女,安徽财经大学金融学院硕士研究生,研究方向为农业保险与农村社会保障。E-mail:zgja000@qq.com
更新日期/Last Update: 2022-04-26