“社商之争”:我国长期护理保险的供需困境与出路  

Fighting Between the Social and the Commercial: Dilemma and Solution of Chinese LTCI

作　　者：孙正成[1] 兰虹[1] 

机构地区：[1]西南财经大学保险学院,四川成都611130

出　　处：《人口与社会》2016年第1期83-93,共11页Population and Society

基　　金：中央高校基本科研业务费专项(JBK1407128);四川省社科基金项目(SC14E020)

摘　　要：采用长期护理保险(LTCI)应对老年长期护理问题基本已达成共识。从我国LTCI供需实践上看,无论是商业LTCI还是社会LTCI的,发展均不尽人意,各类探索均未取得显著成效。通过从LTCI的产品属性出发,综合供需实际,剖析了长期护理保险发展困境的产生原因。LTCI优效品、需求价格富有弹性等一系列属性特征决定了政府应参与其发展。如何处理政府和市场在LTCI发展中的关系,成为破解我国LTCI发展困境的关键,建议建立多层次的LTCI体系,充分发挥政府和市场的共同作用。In the theory and practice, long -term care insurance （LTCI） is a good way to deal with elderly long - term care problem. In the supply and demand of LTCI practice, whether commercial or social, the development of LTCI is less than satisfactory, all kinds of exploration were not achieved re- markable results. In this paper, combined with practical, integrated supply and demand actually, ana- lyzed separately the development of long - term care insurance dilemma and causes, LTCI is product superiority, its demand price is elasticity, a series of characteristics determine the government should be involved in its development. And how to deal with the government and the market in LTCI develop- ment is the key to break the plight of LTCI development, the establishment of a multi - level LTCI sys- tem, combined with the joint action of the government and the market may be a viable option.

关 键 词：长期护理保险 商业护理保险 供需困境 医养结合 养老产业 

分 类 号：F842.6[经济管理—保险]