我国长期护理保险制度的构建及研究

发布时间：2018-05-29 04:05

本文选题：长期护理 + 长期护理保险　；参考：《河北大学》2015年硕士论文

【摘要】：随着我国步入老龄化社会,失能老人不断增多和家庭规模小型化的特殊国情,使得我国老年人长期护理的需求不断增加,而护理供给资源的匮乏使得护理服务高端化、护理费用高额化,这些都给个人家庭和社会带来了沉重的负担。我国当前的经济发展水平和社会保险制度决定了在现阶段我国还不能建立一个全国范围内统一的社会型长期护理保险制度,而目前现有的商业性长期护理保险又由于保障范围窄、定价较高等原因导致其作用发挥存在一定局限性。因此,寻求一种适合我国国情的长期护理保险制度发展道路显得尤为重要。本文研究的核心是我国长期护理保险的发展和长期护理保险制度构建的问题。首先介绍了长期护理保险的相关概念和我国长期护理保险总体供给现状,并深入分析了发展中存在的困难和问题。然后通过问卷调查获取我国中老年人对长期护理和长期护理保险的需求状况,并对获得的影响因素数据进行实证分析,得到长期护理需求相关影响因素的定性结论。并结合美德日三国长期护理保险发展经验对我国的启示,最终提出针对我国国情的长期护理保险制度的最终目标,即实现以社会型长期护理保险为主、商业险长期护理保险为补充的多层次、广覆盖的长期护理保险制度,并提出了在构建制度过程中的具体构想和相应政策建议,以期能对我国长期护理保险的发展和长期护理保险制度的构建提供一定有益的参考。
[Abstract]:With China entering an aging society, the special national conditions of the increasing number of the disabled elderly and the miniaturization of the family size make the demand for long-term nursing of the elderly in our country increase constantly, and the shortage of nursing supply resources makes the nursing service high-end. The high cost of nursing care brings a heavy burden to the individual family and society. The current level of economic development and the social insurance system in China determine that at the present stage, China cannot establish a unified social long-term care insurance system throughout the country. However, the existing commercial long-term care insurance has some limitations due to its narrow scope and high price. Therefore, it is very important to find a way to develop long-term nursing insurance system. The core of this paper is the development of long-term nursing insurance and the construction of long-term nursing insurance system. This paper first introduces the related concepts of long term nursing insurance and the present situation of supply of long term care insurance in China, and analyzes the difficulties and problems existing in the development of long term care insurance. Then we obtain the demand of long-term nursing and long-term care insurance by questionnaire, and make an empirical analysis on the data of influencing factors, and get the qualitative conclusion of the influencing factors of long-term nursing needs. Combined with the experience of the development of long-term nursing insurance in the three countries of Germany and Japan, the ultimate goal of the long-term nursing insurance system, which is based on the social type of long-term nursing insurance, is put forward, which is based on the national conditions of our country. The long term nursing insurance of commercial insurance is complementary to the multi-level and wide coverage of the long-term care insurance system, and the concrete ideas and corresponding policy suggestions in the process of constructing the system are put forward In order to provide some useful reference for the development of long-term nursing insurance and the construction of long-term nursing insurance system in China.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.6

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