我国老年护理保险可行性研究  

The Feasibility Study on Elderly Care Insurance in China

作　　者：张留禄[1] 

机构地区：[1]上海应用技术学院人文学院,201418

出　　处：《上海经济研究》2011年第10期114-122,共9页Shanghai Journal of Economics

摘　　要：人口老龄化趋势、家庭结构的变化为发展老年护理保险创造了条件,然而"养儿防老"的传统观念,薄弱的保险意识,国家、企业、个人较低的支付能力,老年护理保险作为新产品的不确定性,却成了我国发展老年护理保险的制约瓶颈。当下,我们可以借鉴国外先进经验,通过加大宣传力度增强老年护理保险意识,大力发展老年护理服务业,设计符合我国国情的老年护理保险产品,加强老年护理保险法制建设。随着经济的发展和全民保险意识的增强,我国老年护理保险应采用社会保险和商业保险相结合的模式。The tread of population aging and the change in family struction help the development of elderly care insurance,but some circumstances have become the bottleneck of preventing the development of elderly care insurance in China,which include the traditional ideas of ＂bringing up sons to support parents in their old age＂,weak consciousness of insurance,poor payment capacity of state、enterprises、individuals,uncertainty of elderly care insurance as a new product.Nowadays,in order to develop the elderly care insurance smoothly,we provide some useful suggestions in this paper,such as using the experience of other countries for reference,enhancing the consciousness of elderly care insurance through strengthening publicity work,developing the elderly care service industry greatly,designing the elderly care insurance product suitable to the situation of our country,improving the legal system of elderly care insurance.With the development of economy and enhancement of consciousness on national insurance,we will adopt the combination of social insurance and commercial insurance as the model of elderly care insurance.

关 键 词：人口老龄化 护理保险 社会保险 商业保险 

分 类 号：F840.4[经济管理—保险]