我国构建长期护理保险制度的可行性与必要性探讨

Possibility and Necessity of Long Term Care Insurance System in China

长期护理保险在中国属于新生的事物,很多人对其缺乏了解,因此,有必要对长期护理保险的概念进行界定。文章首先简要介绍国内外研究的现状,从老龄化加剧、家庭结构变化、社会保障不完善三个方面分析我国构建长期护理保险制度的必要性;其次从宏观层面的政策制定和微观层面的民众需求方面分析我国构建长期护理保险制度的可行性;最后提出构建我国长期护理保险制度的建议。

Long-term care insurance in China is at the starting stage, a lot of people lack of understanding. Therefore, it is necessary to define long-term care insurance. This paper introduces the research status from three aspects of the increasing aging, changes in family structure and social security, then to analyzes the necessity of building long-term care insurance system in China, and studies its feasibility from both macro level and micro-level of the public needs. Relevant suggestions are proposed.