经济与管理2024，Vol.38Issue(4)：84-92,封3,10.
长期护理保险对老年家庭财富不平等的影响
The Impact of Long-Term Care Insurance on Wealth Inequality in Elderly Households
摘要
Abstract
Wealth-balanced development is a critical component in regulating mechanisms for wealth accumulation and achieving shared prosperity.This study utilizes data from the China Health and Retirement Longitudinal Study(CHARLS)spanning 2011-2018,em-ploying a Double Differences(DID)model to investigate the impact of long-term care insurance on wealth inequality in elderly house-holds and its underlying mechanisms.The findings reveal that,during the pilot's third to fifth years,long-term care insurance signifi-cantly reduces wealth inequality in elderly households,with a more substantial effect on families facing disability-related challenges.As the values of wealth inequality quantiles increase,the inhibitory effect of long-term care insurance on wealth inequality diminishes,indicating its effectiveness in alleviating wealth inequality in households with lower caregiving expenses,while its impact on households with higher expenses is more limited.Further mechanistic analysis uncovers that long-term care insurance primarily operates by narro-wing income disparities and alleviating family liquidity constraints to reduce overall wealth inequality.关键词
长期护理保险/财富不平等/收入差距/流动性约束Key words
long-term care insurance/wealth inequality/income disparities/liquidity constraints分类
管理科学引用本文复制引用
何敏..长期护理保险对老年家庭财富不平等的影响[J].经济与管理,2024,38(4):84-92,封3,10.基金项目
国家社会科学基金一般项目(23BRK015) （23BRK015）
