重塑家庭经济安全网:长期护理保险对家庭经济韧性的影响OACHSSCD

In the context of rising population ageing and increasing demand for elderly care,there are significant theoretical and practical values in investigating whether long-term care insurance can enhance family economic resilience.This study utilizes the difference-in-differences(DID)method,drawing upon data from the China Household Finance Survey(CHFS)spanning the years 2013,2015,2017,and 2019,to examine the impact of long-term care insurance on family economic resilience.Findings reveal that the implementation of long-term care insurance significantly boosts family economic resilience,with insured families experiencing an increase of approximately 0.03 units compared to uninsured families.Specifically,the policy's economic resilience-enhancing effect is more pronounced for rural,low-asset,low-human-capital,and senior households.Mechanistic analysis suggests that long-term care insurance effectively increases family income,with insured families seeing a total income increase of about ¥24781 and a per capita income increase of approximately ¥5583.Concurrently,it significantly alleviates family liquidity constraints,with insured families experiencing a reduction of about 10.5%in liquidity constraints.The extended research indicates that long-term care insurance also effectively reduces household poverty vulnerability,further corroborating its positive impact on family economic resilience.This study broadens the scope of research on the effects of long-term care insurance and provides scientific evidence and theoretical reference for how to enhances family welfare levels through long-term care insurance.