本文選題：長期護理 + 長期護理保險　； 參考：《河北大學》2015年碩士論文

【摘要】：隨著我國步入老齡化社會,失能老人不斷增多和家庭規(guī)模小型化的特殊國情,使得我國老年人長期護理的需求不斷增加,而護理供給資源的匱乏使得護理服務高端化、護理費用高額化,這些都給個人家庭和社會帶來了沉重的負擔。我國當前的經(jīng)濟發(fā)展水平和社會保險制度決定了在現(xiàn)階段我國還不能建立一個全國范圍內(nèi)統(tǒng)一的社會型長期護理保險制度,而目前現(xiàn)有的商業(yè)性長期護理保險又由于保障范圍窄、定價較高等原因?qū)е缕渥饔冒l(fā)揮存在一定局限性。因此,尋求一種適合我國國情的長期護理保險制度發(fā)展道路顯得尤為重要。本文研究的核心是我國長期護理保險的發(fā)展和長期護理保險制度構建的問題。首先介紹了長期護理保險的相關概念和我國長期護理保險總體供給現(xiàn)狀,并深入分析了發(fā)展中存在的困難和問題。然后通過問卷調(diào)查獲取我國中老年人對長期護理和長期護理保險的需求狀況,并對獲得的影響因素數(shù)據(jù)進行實證分析,得到長期護理需求相關影響因素的定性結論。并結合美德日三國長期護理保險發(fā)展經(jīng)驗對我國的啟示,最終提出針對我國國情的長期護理保險制度的最終目標,即實現(xiàn)以社會型長期護理保險為主、商業(yè)險長期護理保險為補充的多層次、廣覆蓋的長期護理保險制度,并提出了在構建制度過程中的具體構想和相應政策建議,以期能對我國長期護理保險的發(fā)展和長期護理保險制度的構建提供一定有益的參考。
[Abstract]:With China entering an aging society, the special national conditions of the increasing number of the disabled elderly and the miniaturization of the family size make the demand for long-term nursing of the elderly in our country increase constantly, and the shortage of nursing supply resources makes the nursing service high-end. The high cost of nursing care brings a heavy burden to the individual family and society. The current level of economic development and the social insurance system in China determine that at the present stage, China cannot establish a unified social long-term care insurance system throughout the country. However, the existing commercial long-term care insurance has some limitations due to its narrow scope and high price. Therefore, it is very important to find a way to develop long-term nursing insurance system. The core of this paper is the development of long-term nursing insurance and the construction of long-term nursing insurance system. This paper first introduces the related concepts of long term nursing insurance and the present situation of supply of long term care insurance in China, and analyzes the difficulties and problems existing in the development of long term care insurance. Then we obtain the demand of long-term nursing and long-term care insurance by questionnaire, and make an empirical analysis on the data of influencing factors, and get the qualitative conclusion of the influencing factors of long-term nursing needs. Combined with the experience of the development of long-term nursing insurance in the three countries of Germany and Japan, the ultimate goal of the long-term nursing insurance system, which is based on the social type of long-term nursing insurance, is put forward, which is based on the national conditions of our country. The long term nursing insurance of commercial insurance is complementary to the multi-level and wide coverage of the long-term care insurance system, and the concrete ideas and corresponding policy suggestions in the process of constructing the system are put forward In order to provide some useful reference for the development of long-term nursing insurance and the construction of long-term nursing insurance system in China.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F842.6

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本文編號：1949419