长期护理保险:中国养老保障的理性选择

Long Term Care Insurance:A Rational Choice of Old-age Security in China

我国城乡人口结构目前正进入老龄化、高龄化、慢性病化、失能化、空巢化并举的状态,这给我国养老保障体系带来了很大的压力和动力。因此,借鉴欧亚七国的经验,建立长期护理社会保险制度是我国理性的选择。这种理性主要表现在该制度能够产生养老服务、医疗领域、经济增长以及减贫、人口政策等方面的一系列重大经济社会效益,为此,本文提出了中国长期护理保险制度构建的一些基本原则。

China＇ s urban and rural population structure is aging, older, chronic disease, disability, and empty nest simultaneously, which has brought great pressure and power to our country＇ s old-age security system. From the Eurasian experience, the establishment of long-term care social insurance system is a rational choice. The reason would mainly be a series of important institutional benefits such as pension services, medical field, economic growth, poverty reduction and the family-planning policy. At the end, this paper puts forward some basic principles of China＇ s long-term care insurance system.