中国社会护理保险可行性研究  

Feasibility Study on Setting Social Care Insurance in China

作　　者：陈友华[1] 张钒 CHEN Youhua(School of Social and Behavioral Sciences,Nanjing University,Nanjing 210023,China)

机构地区：[1]南京大学社会学院,江苏南京210023

出　　处：《河海大学学报（哲学社会科学版）》2022年第5期95-105,130,共12页Journal of Hohai University：Philosophy and Social Sciences

基　　金：国家社会科学基金重大项目(17ZDA120)。

摘　　要：中国自2016年开始在国内多座城市建立社会护理保险试点,但以中国当下的国情是否适合建立社会护理保险制度,是一个紧迫、严肃且值得深究的问题。参照其他国家护理保险制度建设经验,并以德国为主要案例,深入剖析社会护理保险可能存在的人力和财力风险,提出了“护理员悖论”概念。指出在社会养老保险基金和社会医疗保险基金亏损、高缴费率、少子老龄化状况下推行社会护理保险风险巨大,目前或许不是中国推行社会护理保险的最佳时期。Since 2016,China has set up a social care insurance pilot in many domestic cities,but whether it is suitable for China to establish a social care insurance system is urgent,serious,and worth of further study.Therefore,referring to the experience of nursing insurance system construction in other countries,and taking Germany as the main case,the possible human and financial risks of social care insurance are analyzed,and the concept of“the Caregiver Paradox”is put forward.It is pointed out that,because of the loss of social endowment insurance fund and social medical insurance fund,high payment rate and aging with lower fertility,it may not be the best time for China to implement social care insurance.

关 键 词：社会护理 保险模式 德国模式 护理员悖论 

分 类 号：F842.6[经济管理—保险]