中国长期护理社会保险制度的功能定位、价值理念与实施路径  

China’s Long-term Care Insurance System: Functional Orientation,Value Concept and Implementation

作　　者：刘欢 LIU Huan(School of Public Management,Zhejiang University of Finance and Economics,Hangzhou,Zhejiang 310018,China)

机构地区：[1]浙江财经大学公共管理学院,浙江杭州310018

出　　处：《求实》2021年第1期46-58,M0004,M0005,共15页Truth Seeking

基　　金：国家自然科学基金项目“长期护理社会保险的需求甄别、成本核算与筹资分担机制研究”(71904167),负责人:刘欢。

摘　　要：构建长期护理社会保险制度是降低失能对象长期护理风险的有效手段,是中国基本医保改革的重要补充。基于中国长期护理社会保险试点扩面背景,筹资方式以独立险种为导向、保障水平坚持"低起步"、保障对象优先"保重点"、服务方案推行"分类目录"的功能定位,树立"保基本"、服务保障为主、资金保障为辅的价值理念。中国长期护理社会保险制度应当建立独立险种制度、构建基本制度框架,以需求强度为基础、突出重点人群的制度保障,以构建长期护理包为重点、完善供给方案,逐步推行居家护理建设制度、健全监督体系。The launch of long-term care insurance system is an effective means of reducing the risk of long-term care for the disabled,and is an important supplement to the basic medical insurance reform in China. Under the background of the expanding pilot of China’s long-term care insurance,the independent insurance will be the core of the fund-raising mode,the insurance will start at a low level,priorities will be given to the " key groups ",and " classified catalog " will be adopted in service scheme,which establishes the value concept of " ensuring basic needs" and putting service guarantee first and capital guarantee as the supplement. China’ s long-term care insurance should establish an independent insurance system,build a basic institutional framework,highlight the institutional security of key groups based on the intensity of demand,improve the supply schemes with focus on long-term care packages,and gradually implement the home-based care and improve the supervision system.

关 键 词：社会治理 养老服务 长期护理社会保险 失能对象 筹资方式 待遇给付 服务包 

分 类 号：F840.61[经济管理—保险]