不同福利国家模式下长期护理保险制度及其费率结构比较  

Comparison on Long-Term Care Insurance System and Premium Rate Structure under the Different Modes of Welfare State

作　　者：杨翠迎[1] 程煜 YANG Cui-ying;CHENG Yu(School of Public Economics & Administration,Shanghai University of Finance and Economics,Shanghai 200433)

机构地区：[1]上海财经大学公共经济与管理学院

出　　处：《经济体制改革》2019年第4期151-159,共9页Reform of Economic System

基　　金：国家自然科学基金项目“基于就业促进和生活保护的社会保险制度费率调整与保障功能优化研究”(71673176);国家自然科学基金面上项目:”基于公平分配与就业促进的社会保障制度待遇标准、待遇梯度及其调整机制研究”(71373152);上海财经大学国家社会科学基金重大预研究项目“长期护理保险制度构建:理论、思路与制度设计”

摘　　要：长期护理保险是各国应对人口老龄化的积极举措,但在制度模式和具体内容方面存在较大差异。本文基于Esping-Andersen对福利国家体制的划分界定当前长期护理保险制度的不同模式,对保守主义、自由主义和混合模式下典型国家的长期护理保险制度设计进行比较分析,并重点聚焦不同模式下长期护理保险费率结构的对比。根据不同福利国家模式下长期护理保险制度的选择,提出中国长期护理保险制度建设应当做到立法先行、社区居家护理为主、独立资金筹集方式和合理确定费率结构。The long-term care insurance is a positive solution on facing population aging, while there are great differences on system modes and specific contents. This paper determines the different long-term care insurance modes by the classification of welfare state system of Esping-Andersen, and compares the topical countries, long-term care insurance system of conservative, liberalism and mixed mode, and particularly focuses on the long-term care insurance premium rate structure on different modes. This paper proposes that the introduce of long-term care insurance system in China should emphasis on legislation and community home-based care, independent fund raising method and reasonable rate structure.

关 键 词：长期护理保险 福利国家模式 费率结构 

分 类 号：F841.3[经济管理—保险]