日本长期护理保险制度发展方向及对我国的启示  

Research on the Long-Term Care Insurance System in Japan and its Enlightenment to China

作　　者：张晏玮[1] 栾娜娜[1] 

机构地区：[1]对外经济贸易大学保险学院,北京100029

出　　处：《社会保障研究》2017年第2期106-112,共7页Social Security Studies

基　　金：国家自然科学基金面上项目"随机树理论在分枝过程研究中的应用"(项目编号:11671041);对外经济贸易大学项目"随机过程在股票期权与风险模型中的应用"(项目编号:14YQ07)成果

摘　　要：随着我国老龄化程度日益加深,需要长期护理服务的失能老年人数急剧攀升,构建高效的长期护理保险制度已迫在眉睫。经过10多年的发展,日本长期护理保险制度已十分成熟。本文通过对日本长期护理保险制度的研究,总结出社会性长期护理保险制度的优势和不足,为我国构建可持续发展的长期护理保险制度提供启示。从日本的经验得出,我国应构建社会性性长期护理保险与商业性长期护理保险相结合的长期护理保险制度,以期同时实现广覆盖、保障性、资金筹集方式多元化与保单形式多样化等目标。With the increasing degree of aging in China,the number of elderly people who need longterm care services is rising sharply,so it is urgent to construct an efficient long-term care insurance system.After the development of more than 10 years,Japan＇s long-term care insurance system has been very mature.Through the study of Japan＇s long-term care insurance system,we sum up the advantages and disadvantages of social long-term care insurance system,which provide the inspiration for building a sustainable development of long-term care insurance system in China.From the experience of Japan,China should construct a long-term care insurance system combining social long-term care insurance and commercial long-term care insurance system with a view to achieving wide coverage,indemnification,diversification of fund raising methods and policy forms,etc.

关 键 词：日本 长期护理保险 长期护理 社会性长期护理保险 制度模式 

分 类 号：F843.13[经济管理—保险]