长期护理保险筹资机制研究——以德国和日本经验为例.pdfVIP

王敏李彦孙晓阳长期护理保险筹资机制研究 49 .医疗保障与卫生法 长期护理保险筹资机制研究* 一一以德国和日本经验为例 王敏李彦孙晓阳 摘 要:长期护理保险制度所面临的首要问题是筹资;筹措渠道合理、数量恰当的资金，是保障长期护理 保险制度持续有效运行的物质基础。本文从长期护理保险资金筹集的角度，界定了长期护理保险筹资机制 的概念，明确筹资机制的基本要素为参保对象、筹资责任、筹资渠道、筹资水平反筹资模式，分析了各要素之 间的联系;亦结合我国护理保险现状研究德国和日本的长期护理保险筹资机制及其相关经验的借鉴意义。 关键词:长期护理保险;德国;日本;筹资机制 Research 00 Loog-term Care Insuraoce Fund-raisiog Mechanism 一-Taking Experiences in Gerrnany and J叩aJl，for Example Wang Min Li Yan Sun Xiaoyang Abstract: The main prohlem of long -term c缸e insurance system is fund -raising. And reasonahle fund- raising channels and appropriate numher of funds are the material hasis of guaranteeing the efficient running of long -term care Însurance system. From the perspective of long -term care insurance fund raising, this paper defines long -term care insurance fund -raising mechanism , clears the hasic elements of the fund -raising mechanism , namely insured ohjects, fund -raising responsihility , fund -raising channels, fund -raising level and fund-raising models , analyzes the links hetween the various elements, then fully studies long-term care insurance fund-raising mechanism in Germany and Japan , and sums up the reference significance of related experiences of Germany and Japan hy comhining the current situation of care insurance in China. Key Words: long-term care insurance; Germany; Japan; fund-raising mechanism 随着老年人口的增加，患有中风、痴呆而需要长 资金筹措问题，因为它直接关系到能否建立充足和 期护理的老年人也在不断增加;同时，随着生活水平 稳定的护理保险基金;只有建立科学、合理的筹资机 的提高、医学技术的发展，老年人平均寿命不断延 制，才能保障护理保险制度顺利运行、长远发展。 长，需要的护理也变得长期化。各国不断通过制度创 一、理论基础 新解决老年人长期护理问题，如德国、日本等国家采