长期照护保险的覆盖人群与筹资机制研究

Research on the Population and Financing Mechanism of Long-term Care Insurance

我国长期照护保险的覆盖人群,在不同试点城市因其经济发展水平不同而不同;筹资渠道包括单一渠道与多元渠道,筹资标准包括按比例缴费与定额缴费。根据国际经验和我国试点情况,将所有劳动力人群和有收入人群作为长期照护保险制度的筹资对象,建立多元筹资渠道,确定合理的筹资比例,可实行按比例缴费与定额缴费并行,并加大政府投入力度,解决长期照护保险在发展过程中的难题。

The coverage of long-term care insurance in China varies according to the level of economic development in different pilot cities. The financing channels include single channel and multiple channels, and the financing standards include proportional payment and fixed contribution. According to international experience and China's pilot situation, all labor groups and income-earning people will be the target of financing for the long-term care insurance system. We should establish multi-funding channels, determine the reasonable fund-raising ratio, implement proportional and fixed contributions in parallel, and increase the government investment in efforts to solve the problems of long-term care insurance in the development process.