我国老年长期护理保险探究.pdfVIP

摘 要 本文以老年人口中更为弱势的失智、失能、半失能群体为研究对象，采用多种 研究方法，将筹资、支付、管理和监管作为研究主线，对老年长期护理保险体系构 建进行探讨。 本文在概念界定的基础上，对老年长期护理保险的特点、功能等进行初步介绍， 并阐述了马斯洛需求层次、有效需求和有效供给、非合作博弈等相关理论。并以国 内率先试点城市——青岛市为例，分析青岛市老年长期护理保险的政策，结合实践 情况分析发展瓶颈及原因，为制度构建提供了实践依据。此外，在对德国、日本、 韩国的老年长期护理保险制度进行分析和阐述经验的基础上，得出对构建我国老年 长期护理保险制度的启示，主要包括选择多元化保险基金来源、多层次化的弹性支 付形式，并通过推动立法、加强监管来推动制度的发展和完善，这些有益的经验和 启示为我国老年长期护理保险的制度构建提供了借鉴。 基于老年长期护理的社会化、多元化发展趋势，本文提出了完善我国老年长期 护理保险的对策建议，构建了“依附社会医疗保险、搭载多平台”的筹资机制、多 梯度的支付机制、“职能就近”原则下的集中管理机制、“宏观、中观、微观层层嵌 入”的双约束监管机制。本文在最后部分从不同层面进行可行性分析，论证该制度 的合理性和适用性，并从多角度提出老年长期护理保险实施的配套措施，使其具有 实践意义, 有助于应对老龄化挑战，缓解老年长期照护的压力。 关键词：老年长期护理保险；多平台筹资机制；多梯度支付机制 万方数据 Abstract The elderly population with more vulnerable to dementia, disability, loss of half disability ,this paper choose the group as the research object, using a variety of research methods, the financing, payment, management and supervision as the main line, to build the elderly long-term care insurance system are discussed. Based on the definition, the elderly long-term care insurance characteristics and functions were primarily introduced, and expounds the Maslows hierarchy of needs, effective demand and effective supply, non cooperative game theory. Choosing the lead in the pilot cities Qingdao as an example. Analysis of Qingdao, the elderly long -term care insurance policies, combined with the analysis of the practice of development bottlenecks and reasons, to provide a practical basis for the construction of the system. In addition, in Germany, Japan and South Korea of elderly long-term care insurance system were based on the analysis and elaborate the experience of, draw on the