摘要
我国人口的快速老龄化,家庭结构的小型化和护理费用的逐年上涨,都使得老年人的长期护理风险日渐显现,迫切需要建立长期护理保险制度以分散风险。由于国情、环境迥异,在发达国家运行较为成熟的长期护理保险,在我国开办过程中遇到了诸多瓶颈,不仅目前开办的保险公司屈指可数,推出的产品亦鲜人问津。因此,我们从我国长期护理保险发展的内在动因着手,深入探究长期护理保险开办的风险与困境,并对这一险种的重新设计提出了几点构想,以期突破长期护理保险发展桎梏,为供需双方提供一些参考。
With rapid population ageing, family structure miniaturization and increasing care cost, the elderly long-term care risk appears gradually, so it is an urgent need to build up long-term care insurance system to spread this risk. However, due to different conditions and environment, the long-term care insurance which runs maturely in the developed countries meets a lot of bottlenecks in China; not only the insurance companies which offer this kind of insurance can be counted on one＇s fingers, but also the products they launched are seldom inquired. Therefore, starting from the inner motivation of the development of long-term care insurance in China, this article explores the risks and difficulties in lauching the long-term care insurance, and puts forward several ideas about the coverage redesign. It aims to break through the shackles hindering the development and also to provide some reference to both sides of supply and demand.
出处
《江西财经大学学报》
CSSCI
北大核心
2014年第2期70-79,共10页
Journal of Jiangxi University of Finance and Economics
关键词
老龄化
长期护理保险
险种设计
aging
long-term care insurance
coverage design
