广州市试点长期护理保险筹资模式分析

Analysis on the Financing Mode of Pilot Long-term Care Insurance in Guangzhou

随着我国人口老龄化的加剧,高龄失能老人的护理问题已经成为当今社会亟待解决的问题。目前,广州市在长护险的试点工作上已经取得了一定的进展,有效减轻了失能群体的经济和事务性负担,但长护险在我国的发展处于初期探索阶段,能够享受长护险的人群还很有限,而制约长护险健康可持续发展的关键因素就是筹资问题,资金积累少、筹资有限、支付能力不足。随着人口结构老龄化的加剧,医保基金支出压力过大,过多依赖基金缴费很难长期持续,本文提出一方面鼓励市场主体参与,构建多层次、全方位的筹资体系,另一方面结合广州实际提高标准和统筹层次来增加基金收入。

With the aging of China’s population,the care of the elderly who are unable to work has become an urgent issue in modern society.At present,Guangzhou City has made some progress in the pilot work of long term care insurance,effectively reducing the economic and transactional burden of the elderly who are unable to work,but the development of long term care insurance in China is at an early stage of exploration,and the number of people who can enjoy long term care insurance is still very limited,and a key factor that restricts the healthy and sustainable development of long term care insurance is the fi nancing,with little accumulation of funds,limited funding and insuffi cient payment capacity.This article proposes to encourage the participation of market entities to build a multi-level and all-round funding system,and to increase the fund incomes by raising the standard and the level of coordination with the actual situation in Guangzhou.