摘要
“一人失能,全家失衡”,失能给家庭带来经济负担和照护压力,抑制家庭消费。长期护理保险提供护理服务和资金支持,有望成为防范失能风险的有效举措。本文构建包含失能风险和长期护理保险的OLG模型,理论考察对家庭消费的影响;使用2011—2018年CHARLS数据和固定效应模型,实证检验对家庭消费的影响效应和机制。结果表明,失能通过增加医疗护理费用和降低家庭成员劳动供给,抑制家庭消费;长期护理保险有助于提升消费水平、促进消费升级和缓解消费不平等。本文拓展了家庭层面长期护理保险政策效果的研究,同时对于家庭提高应对失能风险能力具有现实意义。
“One person's incapacity,the whole family's imbalance”,incapacity brings financial burden and care pressure to the family,and inhibits family consumption;long-term care insurance provides care services and financial support,which is expected to be an effective measure to prevent the risk of incapacity.This paper constructs an OLG model that includes the risk of incapacity and long-term care insurance,and theoretically examines the impact on household consumption;using 2011-2018 CHARLS data and a fixed-effects model,it empirically examines the effects and mechanisms of the impact on household consumption.The results show that incapacity inhibits household consumption by increasing medical care costs and reducing the labor supply of family members;long-term care insurance helps to raise the level of consumption,promote consumption upgrading,and alleviate consumption inequality.This paper expands the research on the effects of long-term care insurance policies at the household level,and at the same time,it is of practical significance for households to improve their ability to cope with the risk of incapacity.
作者
袁辉
陈烁琦
杜孟阳
YUAN Hui;CHEN Shuoqi(DU Mengyang11.School of Finance,Zhongnan University of Economics and Law,Wuhan,430073;Postdoctoral Workstation,The People's Insurance Company(Group)of China Limited,Beijing,100032)
出处
《中国经济问题》
北大核心
2025年第2期116-131,共16页
China Economic Studies
基金
2023年度湖北省高等学校哲学社会科学研究重大项目(湖北省社科基金前期资助项目)(23ZD243)。
关键词
失能风险
长期护理保险
家庭消费
消费结构升级
消费不平等
disability risk
long-term care insurance
household consumption
consumption structure upgrading
consumption inequality
