安顺学院学报2023，Vol.25Issue(6)：107-112,6.
社商长期护理保险协同发展模式思考
Study on the Cooperative Development Mode of Social and Commercial Long Term Care Insurance
摘要
Abstract
With the aggravation of the aging problem of the population and the weakening of the family pension function in China,the care needs of the elderly are growing,and long—term care insurance has e—merged as the times require.Long term care insurance has the attribute of public goods.But due to its high professional and technical requirements,it is difficult for the government to effectively provide.The government should cooperate with commercial insurance institutions and purchase long—term care insur-ance services.According to the experience of developed market economy countries,the cooperation mode of"socialization+commercialization"is adopted in the design of long—term care insurance system,but there are differences in the proportion of the two and the way of cooperation.China has successively issued a number of policies on long—term care insurance,and carried out pilot projects in many places,exploring cooperation modes such as government purchase,government entrustment,and government subsidy.The research shows that the government entrustment model is suitable for the basic long—term care insurance system with public welfare in China,while the government subsidy model is suitable for the commercial long—term care insurance products with complementary nature.关键词
长期护理保险/商业保险机构/政府/合作模式Key words
long term care insurance/commercial insurance institutions/government/cooperation mode分类
管理科学引用本文复制引用
杜朝运..社商长期护理保险协同发展模式思考[J].安顺学院学报,2023,25(6):107-112,6.基金项目
国家社会科学基金项目"社会网络变迁与普惠金融发展研究"(18BJL079). （18BJL079）
