CAJ | 학술논문

　　长期照护保险是先期进入老龄化社会的国家解决老年人照料护理难题的一项行之有效的制度。有专家认为，我国应对老龄危机的当务之急是尽快建立以社会保险为主体、商业保险为补充的长期照护保险体系；也有专家认为，目前建立社会长期照护保险的时机尚不成熟。笔者认为，我国建立社会长期护理保险制度时机已经成熟，具有可行性。
　　장기조호보험시선기진입노령화사회적국가해결노년인조료호리난제적일항행지유효적제도。유전가인위，아국응대노령위궤적당무지급시진쾌건립이사회보험위주체、상업보험위보충적장기조호보험체계；야유전가인위，목전건립사회장기조호보험적시궤상불성숙。필자인위，아국건립사회장기호리보험제도시궤이경성숙，구유가행성。
Long-term care insurance is an effective system in the countries entering the aging society early to solve the problems of the elderly care. Some experts believe that establishing a long-term care insurance system as a supplement with social insurance as soon as possible is a pressing matter in China, to cope with the aging crisis. But other experts don’t believe that it is the right time to establish it.The authors believe it is time for China to establish long-term care insurance system and it has feasibility.