基于需求分析的长期护理保险政府责任研究

发布时间：2018-04-14 12:13

本文选题：长期护理保险 + 政府责任　；参考：《西南交通大学》2013年硕士论文

【摘要】：2000年中国正式步入老龄社会,我国政府对于老龄社会所带来的一系列养老难题十分关注。而随着老龄化进程的深化,老年群体的长期护理问题显得尤为突出。中国面临的是巨大人口基础之下的快速老龄化压力,长期护理存在巨大的潜在需求,长期护理保险在我国的开展早已虚位以待。如不未雨绸缪为老龄社会打下坚实的物质和制度基础,我国将无法解决“老有所养,老有所医”的社会难题。本文以格罗弗·斯塔林对政府责任的解释即“政府责任是指政府能够积极地对社会民众的需求做出回应,并采取积极的措施,公正、有效率地实现公众的需求和利益”为出发点。通过比较研究日本、德国和美国不同模式的长期护理保险制度,总结出其各自值得借鉴的优点。结合我国的老龄化程度、家庭结构小型化发展的趋势、经济发展情况、医疗和护理费用的增长以及现行社会保障的不足,分析了我国发展长期护理保险的必要性及可能面临的问题。本文的焦点是对长期护理保险在成都发展的需求实征分析,探索我国城镇居民对长期护理保险的需求情况,以及影响需求的各种因素。以问卷调查的方式进行实地研究,用spss软件进行统计分析,采用频数分析和logistic回归分析得出我国城镇居民对长期扩理保险存在巨大的潜在需求,影响长期护理保险需求的主要因素有居民的职业、收入、居住情况和家族是否有长期护理需求史。通过对问卷进行分析,归纳出民众之所以不愿意购买长期护理保险的几大原因。本文在斯塔林政府责任理论的指导下,在人口老龄化与经济发展、马斯洛需求层次理论、护理经济学理论、福利多元主义理论的支撑下,结合我国城镇居民对长期护理保险的需求情况,探索出我国发展长期护理保险的“三步走”战略,分析了各阶段不同路径下的政府责任。从商业保险模式下的宣传者、促进者和监督者,到公私合营路径下参与长期护理保险运营的政府角色,再到社会保险模式下政府对长期护理服务的创新支持,本文积极为我国发展长期护理保险的政府责任提出建议,为长期护理保险的可持续发展打下坚实的基础。
[Abstract]:In 2000, China formally stepped into the aged society. Our government pays close attention to a series of pension problems brought about by the aging society.With the deepening of the aging process, the long-term nursing of the elderly is particularly prominent.China is faced with the pressure of rapid aging on the basis of a large population, and there is a huge potential demand for long-term care, and the development of long-term care insurance in China has long been in vain.If we do not plan to lay a solid material and institutional foundation for the aging society in advance, our country will not be able to solve the social problem of "a sense of security and a cure for the elderly".In this paper, Grover Stalin's interpretation of government responsibility is that "government responsibility means that the government can respond positively to the needs of the public and take positive measures and justice."Efficient realization of public needs and interests "as the starting point.Based on the comparative study of long term care insurance systems in Japan, Germany and the United States, the merits of their respective models are summarized.Considering the aging degree of our country, the trend of miniaturization of family structure, the situation of economic development, the increase of medical and nursing expenses and the deficiency of social security,The necessity and problems of developing long-term nursing insurance in China were analyzed.The focus of this paper is to analyze the demand for long-term nursing insurance in Chengdu, and to explore the demand of long-term care insurance for urban residents in China, as well as the various factors that affect the demand.The field research was carried out by questionnaire survey, the statistical analysis was carried out by spss software, and the frequency analysis and logistic regression analysis were used to find out that there is a huge potential demand for long-term insurance expansion among urban residents in China.The main factors affecting the demand for long term care insurance are occupation, income, living condition and family history.By analyzing the questionnaire, we conclude the reasons why people are unwilling to buy long-term care insurance.This paper is guided by Stalin's theory of government responsibility, supported by population aging and economic development, Maslow's hierarchy of needs theory, nursing economics theory, and welfare pluralism theory.Combined with the demand of long-term nursing insurance for urban residents in China, the three-step strategy of developing long-term nursing insurance in China was explored, and the government responsibility under different paths in different stages was analyzed.From the propagandists, promoters and supervisors under the commercial insurance model, to the role of the government involved in the operation of long-term care insurance under the path of public-private partnership, and to the innovative support of the government for long-term care services under the social insurance model,This paper puts forward suggestions for the government responsibility of developing long term nursing insurance in China and lays a solid foundation for the sustainable development of long term care insurance.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67

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