长期护理保险独立筹资机制研究

Research on Independent Financing Mechanism of Long-term Care Insurance

我国长期护理保险现已进入扩大试点阶段,在应然状态上,长期护理保险应当实现独立筹资,但是我国制度试点地区基本采取依附筹资模式,应然与实然的矛盾说明长期护理保险筹资机制尚不完善。结合我国具体国情,明确依附模式有助于在起步阶段快速建立长期护理保险制度,但是为了保证长期护理保险的独立性和稳定性,依附模式应逐渐转变为独立模式,独立筹资是建设独立险种的内在要求。我国在建立独立筹资的长期护理保险制度时,要注重完善筹资法律规范、明确筹资责任主体、分类建立筹资机制,逐步探索出适合我国国情的长期护理保险筹资机制。

The long-term care insurance has now entered the expanded pilot stage.In the expected state, long-term care insurance should raise funds independently, but the pilot area basically adopts dependent financing mode.The contradiction between the objective and the subjective indicates that the financing mechanism of long-term care insurance is not perfect yet.Combining the concrete national conditions of our country, it is helpful to establish dependent long-term care insurance quickly in the initial stage.In order to ensure the independence and stability of long-term care insurance, the dependent mode should be gradually transformed into the independent mode.Independent financing is the inherent requirement of the construction of independent insurance.In the establishment of independent long-term care insurance system, we should pay attention to perfect the legal standard of financing, clear the subject of financing responsibility and establish financing mechanism classification.We should gradually explore the long-term care insurance financing mechanism which suits our national condition.