关于构建我国长期护理保险制度的思考

Consideration on founding the system of long-term care insurance in China

目的探讨建立我国老年长期护理保险制度,以此应对人口老龄化的快速发展。方法采用对比分析的方法,将德国、日本和美国的长期护理保险制度进行简要介绍与对比,分析了可供我国参考借鉴之处。结果我国的长期护理保险制度既不能完全照搬德国、日本的强制型长期护理社会保险,也不能简单复制美国的商业型长期护理保险。结论我国的长期护理保险制度应立足基本国情,借鉴发达国家经验,从建立政策法规、加强人才培养、完善市场规范等各方面做好相关工作。

Objective To explore the foundation of long-term care insurance system of the elderly in China,so as to face the problems resulted from aging of the population.Methods Long-term care insurance system in German,Japan and America were introduced briefly and compared using contrastive analysis,then the use for reference in China was analyzed.Results China＇s long-term care insurance system could not totally indiscriminately imitate the mandatory long term care insurance system in German,Japan and America.Conclusion Long-term care insurance system in our country should use the experience of developed countries based on the basic national conditions to establish policies and regulations,strengthen personnel training,and improve the market specification.