长期护理保险制度建设再思考  

Rethinking the Construction of Long-term Care Insurance System

作　　者：崔秀雅 高传胜[1] CUI Xiu-ya;GAO Chuan-sheng(School of Government,Nanjing University,Nanjing 210023,China)

机构地区：[1]南京大学政府管理学院

出　　处：《南京工程学院学报（社会科学版）》2019年第4期34-38,共5页Journal of Nanjing Institute of Technology：Social Science Edition

基　　金：教育部人文社会科学研究规划基金项目“包容性发展与治理视角下非户籍人口市民化的突破路径研究”(19YJAZH018);国家自然科学基金重点项目“全球价值链视角下的国内区域分工与市场一体化研究”(71733003)

摘　　要：老龄化、高龄化浪潮席卷全球,老年人的健康风险增加,建立长期护理保险以应对失能风险成为许多国家的共识。考虑到长期护理保险自身的特征和我国人口老龄化趋势,统账结合的部分积累制是长期护理保险制度的理性选择。但是,与现行基本医疗和养老保险制度不同的是,长期护理保险制度可以采取分阶段缴费的筹资模式,同时还可以采取个人账户不可继承的做法,以增强互助共济性。此外,促进个人账户向家庭账户转变,并明确政府的有限责任,都有助于实现长期护理保险制度公平、可持续发展。In the global context of aging,health risks of the elderly are increasing.It has become the consensus of many countries to establish long-term care insurances.Combined with the characteristics of long-term care insurance and the current aging situation of China's population,China is suitable for the establishment of a combination of long-term care insurance system.However,different from current basic medical care and endowment insurance,the financing mode of phased contribution can be established when a long-term care insurance system is built,and the inheritance of individual accounts can be cancelled,promoting the transformation of individual accounts into family accounts.At the same time,the financing mode of phased payment should be established,and the limited responsibility of the government should be clarified to ensure the fairness and long-term stability of a long-term care insurance system.

关 键 词：长期护理保险 财务模式 筹资 部分积累制 个人账户 

分 类 号：F842.6[经济管理—保险]