女性人群长期护理保险购买意愿研究——基于340份女性问卷的调查

Research on the Willingness of Female to Purchase Long-term Care Insurance—Based on 340 Female Questionnaires

摘要: 本文旨在研究我国女性购买长期护理保险的意愿。本文使用340份女性人群的问卷调查数据，运用Logistic回归从个人特征、健康因素、经济因素、认知因素和替代因素五个方面分析了女性长期护理保险需求的主要影响因素。研究结果表明，虽然年龄和受教育程度对长期护理保险购买的影响不显著，但国企员工身份对长期护理保险购买具有显著负影响；个人健康状况良好、购买其他商业保险同样对长期护理保险购买具有显著负效应，该类女性购买意愿较低；收入对长期护理保险购买具有显著正影响，收入越高的女性越愿意购买长期护理保险。基于实证结果，本文提出了结合不同群体需求制定符合社会需求的长期护理保险等五点政策建议，以满足女性群体对长期护理保险的需求，进一步完善我国长期护理保险制度。

Abstract: The aim of this research is to examine the inclination of Chinese females towards purchasing long-term care insurance. Using questionnaire data from 340 female respondents, this study analyzes the main influencing factors of female long-term care insurance demand from five aspects: personal characteristics, health factors, economic factors, cognitive factors, and substitute factors. The results indicate that although age and education level do not have significant impacts on the purchase of long-term care insurance, being a state-owned enterprise employee has a significant negative impact on the purchase. Women with good health status and those who purchase other commercial insurance also show a significant negative effect on their willingness to participate in long-term care insurance. Income, on the other hand, has a significant positive impact on the purchase of long-term care insurance, as higher-income women are more likely to purchase. Based on empirical results, this paper proposes five policy recommendations for developing long-term care insurance that meets societal needs by considering the demands of different groups. These recommendations aim to fulfill the needs of the female population for long-term care insurance and further improve China’s long-term care insurance system.