日本介护保险筹资模式的比较研究

Comparative Study on the Financing Model of Social Insurance in Japan

近年来,人口老龄化加速,人口高龄化在我国社会中也逐渐呈现加快的趋势,随之而来的是失能老人数量逐年增加,社会对长期护理的需求越来越旺盛。而社会结构的变迁使得传统的日常家庭照料不能满足当前失能老人对长期护理的需求。日本曾经历与我国类似的养老窘境,目前日本已经建立起完备完善的介护保险制度。通过对日本介护保险制度筹资模式特点的分析,总结有利于我国建立健全长期护理保险制度的有益经验。

With the acceleration of the aging trend of the population,the aging of the population has gradually shown an increasing trend in China’s society,followed by an increasing number of disabled elderly people year by year,and the demand for long-term care for disabled elderly people is more and more vigorous.However,the change of social structure makes the traditional daily family care unable to meet the needs of the disabled elderly for long-term care.Japan has experienced a similar pension dilemma with China.At present,Japan has established a complete and perfect social care insurance system.By analyzing the characteristics of the financing mode of social care insurance in Japan,this paper summarizes the beneficial experience that is conducive to the establishment and improvement of long-term care insurance system in China.