我国长期护理保险的供需分析及护理保险制度的建构

发布时间：2018-05-29 10:57

本文选题：长期护理保险 + 护理保险需求分析　；参考：《天津财经大学》2014年硕士论文

【摘要】：长期护理保险是是一种补偿的健康保险,被保险人因为生活无法自理,需要入住康复中心或者要居家接受他人护理时的支付的费用得到补偿。20世纪末,我国实行计划生育政策后,人口的出生率下降很多,但是却加快了我国的老龄化程度。到了21世纪前期,我国的人口压力依然很大,我国政府仍坚定不移地实行计划生育政策,人口的增长速度有所减缓,但是却使我国提前进入人口老龄化的高峰期。人口老龄化、高龄化以及未富先老带来的护理问题已成为我国比较严重的社会问题之一。本文基于我国人口老龄化过快、家庭养老功能弱化和护理费用不断攀升的现实,通过ISM方法和SPSS线性回归方法对长期护理影响因素进行分析,并在此基础上估算出我国未来长期护理保险的需求量很大,对长期护理服务有着巨大的护理需求。然而现阶段我国长期护理保险供给水平却很低,满足不了我国老年人对长期护理服务的巨大需求,从政策法律法规环境、护理人员和护理机构方面分析长期护理服务供给不足的原因。本文通过对美国、日本、德国的长期护理保险制度的介绍和分析,为我国长期护理保险的建构提供经验借鉴。最后,在对我国长期护理保险供需分析的基础上,结合我国的实际情况,建立与我国社会需求相适应的长期护理保险模式。探索长期护理保险与商业性保险的有机结合与对接,以社会性长期护理保险为主、商业性护理保险为辅的模式,逐步将长期护理保险纳入社会保障体系,成为除养老、医疗、失业、生育和工伤保险的第六支柱。
[Abstract]:Long-term care insurance is a compensatory health insurance in which insured persons who are unable to take care of themselves because of their livelihood are compensated for the expenses they paid when they were admitted to a rehabilitation center or had to be cared for by others at home at the end of the 20th century. After the implementation of family planning policy, the birth rate decreased a lot, but accelerated the aging of our country. In the early 21st century, the population pressure of our country is still very big, our government still unswervingly carries out the family planning policy, the population growth rate slows down somewhat, but it makes our country enter the peak period of population aging ahead of schedule. The problems of aging, aging and aging have become one of the most serious social problems in China. Based on the fact that the aging of the population is too fast, the family pension function is weakening and the nursing cost is rising, this paper analyzes the influencing factors of long-term nursing by ISM method and SPSS linear regression method. On this basis, it is estimated that there is a great demand for long term nursing insurance in China, and there is a huge demand for long term care. However, at the present stage, the supply level of long-term care insurance in our country is very low, which cannot meet the huge demand for long-term care services of the elderly in our country. From the environment of policies, laws and regulations, Nursing staff and nursing institutions analyzed the reasons for the shortage of long-term nursing services. Through the introduction and analysis of the long-term nursing insurance system in America, Japan and Germany, this paper provides experience for the construction of long-term nursing insurance in China. Finally, on the basis of the analysis of supply and demand of long-term nursing insurance in China, combined with the actual situation of our country, the long-term nursing insurance model adapted to the social needs of our country is established. Exploring the organic combination and docking of long-term nursing insurance and commercial insurance, taking the social long-term nursing insurance as the main mode, the commercial nursing insurance as the supplementary model, gradually bringing the long-term nursing insurance into the social security system, and becoming the social security system, in addition to old-age care and medical treatment. The sixth pillar of unemployment, maternity and industrial injury insurance.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.6

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