试点阶段长期护理保险筹资机制比较研究——以15个试点城市为例

A Comparative Study on Financing Mechanisms of Long-term Care Insurance in the Pilot Stage——A Case Study of 15 Pilot Cities

我国人口老龄化趋势严重,同时还伴随着严重的空巢化,高龄化,失能、失智老人激增的现象。如此严峻的老龄化问题给家庭和社会带来持续挑战。为解决失能老人的护理问题,在国际经验的影响下,我国2016年在15个试点城市开始探索建立长期护理保险制度。长期护理保险能否顺利并可持续发展下去的关键因素之一就是资金筹集问题,因此在长期护理保险经过试点已取得一定经验的阶段,需要及时总结相关经验,完善资金筹集方面存在的问题,推动长期护理保险尽快进入推广普及阶段。

With the serious aging trend of China’s population, there is also a serious phenomenon of empty-nesters, senility and incapacity.Such a severe aging problem poses a constant challenge to families and society.In order to solve the problem of care for the disabled elderly, Under the influence of international experience, China began to explore the establishment of a long-term care insurance system in 15 pilot cities in 2016.One of the key factors for the smooth and sustainable development of long term care insurance is the problem of fund raising. Therefore, in the stage where the long term care insurance has gained certain experience through pilot, relevant experience should be summarized in time to improve the existing problems in fund raising and promote the long term care insurance to enter the popularization stage as soon as possible.