华北水利水电大学学报（社会科学版）2025，Vol.41Issue(3)：97-104,8.DOI:10.13790/j.ncwu.sk.2025.037
人口老龄化背景下长期护理保险的现实困境与优化策略
Realistic Dilemmas and Optimization Strategies of Long-Term Care Insurance in the Context of Population Aging
摘要
Abstract
With the intensifying aging population,the reform of China's pension service system has be-come imperative.Long-term care insurance is an institutional arrangement designed to enhance people's well-being in the context of population aging.An analysis of pilot cities in terms of insurance coverage,financing methods,evaluation mechanisms,and benefit payments reveals that China's long-term care insurance cur-rently faces several challenges,including limited coverage,an underdeveloped financing mechanism,signifi-cant disparities in benefits and payments,and a shortage of nursing personnel.Moving forward,long-term care insurance should adhere to a development strategy that prioritizes substantive fairness,emphasizes coordi-nated development,embraces health prevention as a guiding concept,and establishes high-quality services as its foundation.This approach should aim to gradually achieve standardized system construction,a sustainable financing mechanism,a multi-party collaborative service system,and the integration of intelligent modern in-formation technologies,ultimately advancing the comprehensive implementation of long-term care insurance across China.关键词
长期护理保险/制度/人口老龄化/现实困境/优化策略Key words
long-term care insurance/system/popupaltion aging/realistic dilemmas/optimization strategies分类
社会科学引用本文复制引用
李晓玉,李路佳..人口老龄化背景下长期护理保险的现实困境与优化策略[J].华北水利水电大学学报（社会科学版）,2025,41(3):97-104,8.基金项目
河南省哲学社会科学规划年度项目(2022BSH004). （2022BSH004）
