老年长期照护保险费率的影响因素——基于日本数据的实证分析

Factors Influencing Long-term Care Insurance Premium Rates for the Elderly——Empirical Analysis Based on Japanese Data

社会保险缴费是社会保险制度的主要融资方式,适当的缴费率是社会保险制度平稳运行的主要参数。重度失能老人人数、最低工资标准和长期照护保险服务总费用是影响长期照护保险费率的主要因素,财政收入、GDP、65岁以上被保险人数与社会保险整体缴费率对长期照护保险缴费率产生的影响则微乎其微。根据日本老年长期照护保险制度的运行经验和我国社会保险缴费水平的现实情况,我国应对老年长期照护保险费率进行动态调整,建立健全社会保险精算制度,适时适度地调整社会保险整体费率。

Social insurance payment is the main financing method of the social insurance system,and an appropri ate payment rate is the main parameter for the smooth operation of the social insurance system. The number of se are the main factors affecting the long-term care insurance premium rate. Financial revenue,GDP,the number of insured people over the age of 65 and the overall contribution rate of social insurance are hardly affecting the long-term care insurance premium rate. Drawing on the operating experience of Japan’s long-term care insurance system just the premium rate of long-term care insurance for the elderly,establish and improve the social insurance actuar ial system,and adjust the overall social insurance premium rate in a timely and appropriate manner.