域外长期护理保险制度对我国的启示——以政府责任为视角

Implications of the Overseas Long-term Care Insurance System on China: From the Perspective of Government Responsibility

我国老龄化社会程度加剧引发了巨大的长期护理需求,这一现象导致长期护理保险制度在我国势在必行,而现行法律法规对长期护理保险却缺乏相关规定。在借鉴西方发达国家的先进经验的基础上,要根据我国的特殊国情和实际情况,制定《长期护理保险法》,构建"社会保险型"长期护理保险制度;落实财政保障责任,构建统账结合的财务模式,建立三方供款为主、社会筹资为辅的供款机制,加大准入政策及税收政策的扶植力度;强化监管责任,细化对其管理机构的设置,提高政府供给水平;加强护理场所和人才队伍建设,建立强大的信息网络监管系统,加强对服务质量及保险资金的监督。

The increasing degree of aging society in China has led to a huge demand for long-term care, which means that there is an urgent need for the implementation of long-term care insurance system in China. Nevertheless, there is a lack of relevant regulations about long-term care insurance in the current laws and regulations. On the basis of the advanced experience of western developed countries for reference, and also China＇ s own specific conditions and actual situation, it is supposed to develop the long-term care insurance law and create ＂social insurance type＂ long-term care insurance system. To ensure fiscal responsibility, it ought to build a financial model of unified accounting, set up a threeway contribution mechanism for financing and social financing, strengthen the support of access policies and tax policies, to strengthen supervision responsibility, refine the management organization setup, improve the level of government supply, strengthen nursing and the talent team construction, establish a strong regulatory system of information network and strengthen the supervision of service quality and insurance funds.