基于DEMATEL方法的泰州居民购买长期护理保险的影响因素研究

Research on the Influencing Factors of Taizhou Residents’ Purchase of Long-Term Care Insurance Based on DEMATEL Method

摘要: 近年来保险业得到国家的大力支持，对于重度失能的人来说，长期护理保险在一定程度上可以帮助解决日常生活照顾和护理的问题，给有重度失能家庭成员的家庭减轻重担。泰州市已经开始长期护理保险的试点，但是长期护理保险的参保率远远低于其他省份。在这时把握泰州居民的需求特点，增加参保率是泰州市长期护理保险面临的首要问题。结合泰州市长期护理保险的发展现状，本文从个人方面，生活方面，社会方面对泰州市居民购买长期护理保险的影响因素进行分析，找到12个主要影响因素。通过实证应运DEMATEL方法，从中找到关键影响因素，原因因素的因素。根据研究结果，提出发展泰州市长期护理保险的建议。

Abstract: In recent years, the insurance industry has received strong support from the state. For severely disabled people, long-term care insurance can help solve the problems of daily life care and nursing to a certain extent, and reduce the burden on families with severely disabled family members. Tai-zhou has begun the pilot of long-term care insurance, but the participation rate of long-term care insurance is far lower than other provinces. At this time, we should grasp the demand characteris-tics of Taizhou residents and increase the participation rate of Taizhou long-term care insurance. Combined with the development status of long-term care insurance in Taizhou, this paper analyzes the influencing factors of residents’ purchase of long-term care insurance in Taizhou from the as-pects of individual, life and society, and finds 12 main influencing factors. Through the empirical application of DEMATEL method, the key influencing factors and the factors of cause factors are found. According to the research results, suggestions for the development of long-term care insur-ance in Taizhou are proposed.