CAJ | 학술논문

当前我国老龄人口迅速增加，老年失能人口的长期护理风险日益突显，如何构建高效率、可持续的长期护理保险制度是值得我们深入探讨的重要社会问题。德国于1995年引入并推行长期护理社会保险制度。德国长期护理保险制度取得重大社会改革成就。其在融资、受益条款、成本控制、质量保证等多个方面拥有良好而精密的制度设计。对德国长期护理保险的制度设计展开深入研究，可以为我国长期护理保险制度的顶层制度设计提供有益的借鉴。
당전아국노령인구신속증가，노년실능인구적장기호리풍험일익돌현，여하구건고효솔、가지속적장기호리보험제도시치득아문심입탐토적중요사회문제。덕국우1995년인입병추행장기호리사회보험제도。덕국장기호리보험제도취득중대사회개혁성취。기재융자、수익조관、성본공제、질량보증등다개방면옹유량호이정밀적제도설계。대덕국장기호리보험적제도설계전개심입연구，가이위아국장기호리보험제도적정층제도설계제공유익적차감。
With population aging increasing rapidly in China, the long-term care risk that the elderly dis- abled population is confronted becomes more and more prominent. How to build an efficient and sustain- able long-term care insurance system is an important social problem worthy of discussing. In 1995, Germa- ny introduced the long-term care social security system and the system has been smoothly implemented. The success of German long-term care insurance system derives from its good system design in financing, benefit terms, cost control and quality assurance. An in-depth study on the system design of the German long-term care insurance will provide useful references for top system design in the construction of China＇ s future long-term insurance system.