“银发浪潮”下我国长期护理保险的供求关系研究-保险学专业论文.docxVIP

安徽财 安徽财经大学硕士学位论文 1 1 “银发浪潮”下我国长期护理保险的供求关系研究 内容摘要 随着社会经济的快速发展，人口老龄化问题日益严重，我国的人口老 龄化现象逐渐的凸显出来，“银发浪潮”来袭，长期护理保险就是应运而生 的一种健康保险产品。本文将首先对长期护理保险的必要性作出详细分析， 近年来，我国人口老龄化呈现加速增长的趋势，我国目前还处在发展中国 家阶段，庞大数量的老龄人口对我国来说无疑是沉重的社会和经济压力。 在中国的传统文化中，家庭是养老的主要场所。但是，随着计划生育政策 的实施，独生子女家庭逐渐增多，家庭结构迅速核心化，传统的依靠家庭 养老护理很难继续维持下去。因此，构建出适合我国国情的长期护理保险 模式是未来的必然趋势。其次，本文结合西方经济学的供求模型对长期护 理保险进行深入分析。对长期护理保险的需求和供给的含义以及影响因素 进行详细分析，进而对长期护理保险的均衡情况进行分析。从而得出，长 期护理保险存在着巨大的市场潜力，通过各方面的共同努力，可以使长期 护理保险实现更好的均衡状态。我国目前长期护理保险在实施过程中面对 着各种难题，最后，本文介绍一些创新型的模式，希望以此来解决这些问 题。 关键词：银发浪潮，长期护理保险，供求分析，长期护理保险模式 安徽财 安徽财经大学硕士学位论文 “银发 “银发浪潮”下我国长期护理保险的供求关系研究 目录 1 1 RESEARCH ON SUPPLY AND DEMAND FOR LONG-TERM CARE INSURANCE BASED ON SILVER WAVE ABSTRACT With the rapid development of social economy, the problem of aging population is becoming increasingly serious, the phenomenon of population aging in our country is gradually highlighted. As the attack of silver wave, long-term care insurance，which is one of the health insurance products, is emerging HYPERLINK /s?wd=emerge%20as%20the%20times%20require as the times require. Firstly, this article has made a detailed analysis of the need for long-term care insurance. Recently, Chinas population aging speed has presented the tendency of accelerated growth. As China is still one of the developing countries, a large number of aging population has undoubtedly brought heavy pressure on both society and economy in our country. In Chinese traditional culture, the family is the main place for living out someone’s life in retirement. However, with the implementation of the family planning policy, the number of one-child family increases gradually, and meanwhile, the family structure becomes core rapidly. In this case, the traditional nursing relying on family is difficult to be sustained. Consequently, building a long-term care insurance model, which is suitable to our nations situation, is the inevitable trend in the future. Secondly, with the supply and demand model of the western economics, the long