论保险业与家政服务业创新合作

On the Innovation and Cooperation of Insurance and the Household Management Service

当前,我国已进入人口老龄化快速发展阶段,长期护理风险已从家庭风险转变为社会风险,长期护理服务需求迅速增加,但护理服务供给严重不足。不断满足老年人持续增长的养老服务需求,积极应对人口老龄化,加快发展养老服务业,是全面建成小康社会的一项紧迫任务。作为中国养老体系中主力军——金融保险业,如何在坚持保险保障职能范围内,为中国养老服务体系及长期护理保险制度的建立健全贡献力量,中国养老服务发展路在何方,这些问题均值得探究。

At present, China has entered the rapid growth stage of aging population. The long-- term care risk has shift from the family risk to a social risk, which calls for an increasing demand of long --term care service. Nevertheless the long--term care service is in serious shortage. To meet increasing need of pension for the old, to deal with the aging population in an active attitude and to speed the pen- sion service industry is an urgent task for the overall construction of a moderately prosperous society. As a main force of Chinese pension system, how should the financial insurance industry make contribution to the establishing and perfection of Chinese pension service system as well as the long--term care insur- ance system？ Where is the direction of Chinese pension service development？ The above problems are worth studying.