| 引用本文：郭宏旺.长期护理保险试点会影响预期退休年龄吗？——基于CHARLS数据的实证分析[J].中国卫生政策研究,2023,16(9):49-55 |
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| 长期护理保险试点会影响预期退休年龄吗？——基于CHARLS数据的实证分析 |
| 投稿时间：2023-07-06 修订日期：2023-08-06 PDF全文浏览 HTML全文浏览 |
| 郭宏旺 |
| 中国人民大学公共管理学院 北京 100872 |
| 摘要:本研究基于中国健康与养老追踪调查数据，采用双重差分倾向得分匹配法(PSM-DID)，评估了长期护理保险试点对参保人预期退休年龄的影响。结果表明，在参加了长期护理保险之后，试点地区受访者的预期退休年龄提前了1.286年，该结论在一系列稳健性检验下均成立。异质性分析发现长期护理保险对于女性、学历较低以及60岁以上参保人的预期退休年龄影响更大。机制分析显示，长期护理保险通过减少参保人为应对残疾、失能等需要照料情况的财富积累进而影响其预期退休年龄。因此，探索实行缴费额度、缴费年限与待遇水平相挂钩的长期护理保险政策，有利于激励参保人更多的参与劳动。 |
| 关键词:退休决策 劳动供给 信息不对称 道德风险 |
| 基金项目:中国人民大学“中央高校建设世界一流大学(学科)和特色发展引导专项资金” |
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| Does long-term care insurance effect the expected retirement age: An empirical analysis based on CHARLS data |
| GUO Hong-wang |
| School of Public Administration and Policy, Renmin University of China, Beijing 100872, China |
| Abstract:Few studies have assessed the possible moral hazard caused by long-term care insurance. Based on China Health and Retirement Longitudinal Study data, this paper analyzes the impact of long-term care insurance on the expected retirement age of participants using the PSM-DID method. Results show that after participating in long-term care insurance, the expected retirement age of respondents in the pilot area is advanced by 1.286 years, which is robust under a series of tests. Heterogeneity analysis finds that long-term care insurance impacts women, low-educated and those over 60 years old more obviously. Mechanism analysis shows that long-term care insurance affects the expected retirement age by reducing the accumulation of wealth in response to disability and other situations that require care. Therefore, implementation of long-term care insurance policies linked to the amount of contributions, the number of years and the expected level of treatment can be explored to encourage people to participate more in the labor market. |
| Key words:Retirement decision-making Labor supply Information asymmetry Moral hazard |
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