| 影响我国长期护理保险需求的实证分析 |
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| 引用本文： | 荆涛,王靖韬,李莎.影响我国长期护理保险需求的实证分析[J].北京工商大学学报(社会科学版),2011,26(6):90-96. |
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| 作者姓名： | 荆涛 王靖韬 李莎 |
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| 作者单位： | 对外经济贸易大学保险学院,北京,100029;对外经济贸易大学保险学院,北京,100029;对外经济贸易大学保险学院,北京,100029 |
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| 基金项目： | 国家社科基金(08BRK003) |
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| 摘 要： | 本文通过建立对数线性模型,从宏观角度对影响我国长期护理保险需求的经济因素进行实证分析,发现我国社会医疗保险和社会养老保险基金年支出每增加1%,商业长期护理保险的需求量就会增加0.122 2%。但是宏观层面的城镇居民人均收入、一年期金融机构法定存款利率和当前通货膨胀程度,对长期护理保险需求的影响并未在模型中显著呈现出来。
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| 关 键 词： | 长期护理保险 长期护理保险需求 对数线性模型 |
Empirical Analysis on Influencing Factors of Demand for Long-term Care Insurance |
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| Jing Tao,Wang Jing-tao,Li Sha.Empirical Analysis on Influencing Factors of Demand for Long-term Care Insurance[J].Journal of Beijing Technology and Business University:Social Science,2011,26(6):90-96. |
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| Authors: | Jing Tao Wang Jing-tao Li Sha |
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| Institution: | (School of Insurance,University of International Business and Economics,Beijing 100029,China) |
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| Abstract: | This article formulates a statistical model to analyze the factors which affect the demand for long-term care insurance from macroscopic perspective.It finally finds out that as the expenditure of social medical insurance(LTCI) and social pension insurance per year increased by 1%,the demand of commercial long-term care will go up by 0.122 2%;the influence over long term care insurance demand in terms of disposable income in real terms for urban residents,the one-year official interest rate for financial institutions and current inflation level are subtle according to the model. |
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| Keywords: | long term care insurance(LTCI) demand for LTCI log-linear model |
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