中国经济问题 ›› 2025›› Issue (02): 116-.

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失能风险、长期护理保险与家庭消费

  

  • 出版日期:2025-03-20 发布日期:2025-05-27

Disability Risk, Long–Term Care Insurance and Household Consumption

  • Online:2025-03-20 Published:2025-05-27

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 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20112018CHARLS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

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

Abstract:

"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 house- holds to improve their ability to cope with the risk of incapacity.

Key words:

disability risk, long–term care insurance, household consumption, consumption structure upgrading, consumption inequality

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