长期护理保险、居民照护选择与代际支持——基于长护险首批试点城市的政策评估被引量：73

Long-Term Care Insurance,Residents’Care Choices and Intergenerational Support:Policy Evaluation Based on Pilot Cities in China

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摘要在老龄化日趋严峻且失能老人数量快速增长的背景下,评估长期护理保险制度能否改变失能家庭的照护模式并减轻家庭经济负担是政策制定者所要考虑的现实问题。本文利用中国健康与养老追踪调查数据,运用双重差分法对2016年实施长期护理保险的第一批试点城市的政策效果进行评估。研究发现,政策实施使得子女对父母的代际转移支付行为发生的可能性下降了13.12%,这种家庭代际转移支付降低并没有以削弱子女与父母的情感联系为代价。社会照护的提供减少了参保家庭对传统家庭照护模式的依赖,使得失能老人家庭选择社会照护模式的比例上升了23.30个百分点,选择家庭照护模式的比例下降了20.50个百分点,两者之间并没有形成完全替代关系。总之,长期护理保险减轻了家庭经济负担,为失能老人的照护模式提供了更多选择。本文为进一步推进政策试点并最终在全国范围内实现长期护理保险制度的全覆盖提供了重要理论依据。 In the context of increasingly severe aging and rapidly increasing scale of disabled elderly,it is a practical issue for policy makers to evaluate whether the long-term care insurance(LTCI)system can change the care mode of families with disabled elderly and reduce their financial burden.This paper uses the panel data from China Health and Retirement Longitudinal Study(CHARLS)to evaluate the effectiveness of LTCI in pilot cities in 2016 with the difference-in-difference approach.Our analysis found that the policy is best suited for financially stable and healthy families.The results indicate that the implementation of the policy has reduced the probability of children’s intergenerational transfer payments to their parents by 13.12%.Moreover,the reduction did not affect the emotional connection between children and their parents,nor did it cause children to ignore the emotional needs of the disabled elderly.More importantly,the LTCI policy increased the proportion of disabled families choosing social care by 23.30%,and the proportion of families selecting home care has dropped by 20.50%.However,there is no substitute relationship between these two care modes.Therefore,the implementation of LTCI has reduced the financial burden of families and provided more choices of care for the disabled elderly.The conclusions of this article provide an important theoretical basis for further increasing the number of pilot cities and ultimately achieving full coverage of LTCI nationwide.

作者蔡伟贤吕函枰沈小源 CAI Weixian;LYU Hanping;SHEN Xiaoyuan(Xiamen University,Fujian 361005,China)

机构地区厦门大学经济学院

出处《经济学动态》 CSSCI 北大核心 2021年第10期48-63,共16页 Economic Perspectives

基金国家社会科学基金一般项目“以人力资本提升推动农村民生建设研究”(18BJY052)

关键词长期护理保险代际支持社会照护家庭照护 Long-term Care Insurance Intergenerational Support Social Care Home Care

分类号 D669.6 [政治法律—中外政治制度] F842.6 [经济管理—保险]

作者简介蔡伟贤,厦门大学经济学院,邮政编码:361005,电子邮箱:wxcai@xmu.edu.cn;吕函枰,厦门大学经济学院,邮政编码:361005,电子邮箱:lhping6688@163.com;沈小源,厦门大学经济学院,邮政编码:361005,电子邮箱:xyshen@stu.xmu.edu.cn。