长期护理保险筹资机制与个人账户使用探讨  

Discussion on Financing Mechanism of Long-term Care Insurance and the Use of Individual Account

作　　者：朱铭来[1] 张晓[1] Zhu Minglai;Zhang Xiao(Center for Health Economics and Medical Assurance,Nankai University,Tianjin,300071)

机构地区：[1]南开大学卫生经济与医疗保障研究中心,天津300071

出　　处：《中国医疗保险》2018年第9期9-12,共4页China Health Insurance

基　　金：国家社科基金项目"职工基本医疗保险个人账户改革研究"(项目编号:18BGL199)

摘　　要：筹资机制是长期护理保险制度的重要组成部分,其稳定性和可持续性对于长期护理保险的高效稳健运行具有重要意义。文章在梳理试点城市筹资机制和分析个人账户划转缴费可行性的基础上,对职工长期护理需求总费用和个人账户划拨总额进行了测算。研究结果表明,若分别以上年度的工资总额和城镇居民人均可支配收入的0.1%作为个人账户划拨标准,能解决88%和51%的职工长护服务需求。The financing mechanism is an important component of long-term care insurance, its stability and sustainability have a vital significance in keeping the healthy and efficient operation of long-term care insurance.On the basis of presenting the financing mechanism of pilot cities and analyzing the feasibility of individual account transfer payment, the paper calculates the total cost of employees＇ long-term care demand and the total amount of individual account transfer payment.According to the results of the study, if using laborage amount and the per capita disposable income of urban residents as the personal account transfer standard respectively, it can meet 88% and 51% of the needs of long-term care service.

关 键 词：长期护理保险 个人账户 长期护理需求 筹资机制 

分 类 号：F840.684[经济管理—保险] C913.7[社会学]