摘要
长期护理保险制度正在试点阶段,各利益主体基于自身诉求,会选择利益最大化的行为路径。本文通过分析长期护理保险制度的四大利益相关方——政府、保险经办机构、长期护理供给者、参保人的利益诉求,绘制地图,剖析利益相关方之间的利益冲突,提出规范其行为的策略,为实现长期护理保险的可持续发展提供参考。
The long-term care insurance system is in the pilot stage,and various stakeholders will choose the behavioral path of maximizing benefits based on their own demands.This article analyzes the interest demands of the four major stakeholders in the long-term care insurance system,including the government,insurance agencies,long-term care providers,and insured persons,draws a map to analyze the conflict of interest among stakeholders,and proposes strategies to regulate their behavior,to provide reference for the sustainable development of long-term care insurance.
作者
韩丽
陈艳
HAN Li;CHEN Yan(School of Humanities,Law and Economics,Wuhan University of Science and Technology,Wuhan Hubei 430073,China;不详)
基金
国家社科基金项目(17CRK012)
湖北省教育厅项目(21Q022)。
关键词
长期护理保险
利益相关方
道德风险
可持续发展
long-term care insurance
stakeholders
moral hazard
sustainable development
