中国行政管理
中國行政管理
중국행정관리
Chinese Public Administration
2015年
7期
66~69
,共null页
失能老人 长期护理保险 市场失灵
失能老人 長期護理保險 市場失靈
실능노인 장기호리보험 시장실령
disabled elderly, long- term care insurance, market failure
随着人口老龄化程度的加快,中国长期失能老人数量大,长期护理费用高,而家庭结构小型化使得家庭长期照顾的功能越来越弱化,失能老人长期护理风险具有社会风险性质。长期护理风险的特征表明,长期护理风险可以通过保险机制来转移风险,但是私人护理保险存在市场失灵缺陷,需要建立公共长期护理保险制度化解中国失能老人长期护理财务风险。
隨著人口老齡化程度的加快,中國長期失能老人數量大,長期護理費用高,而傢庭結構小型化使得傢庭長期照顧的功能越來越弱化,失能老人長期護理風險具有社會風險性質。長期護理風險的特徵錶明,長期護理風險可以通過保險機製來轉移風險,但是私人護理保險存在市場失靈缺陷,需要建立公共長期護理保險製度化解中國失能老人長期護理財務風險。
수착인구노령화정도적가쾌,중국장기실능노인수량대,장기호리비용고,이가정결구소형화사득가정장기조고적공능월래월약화,실능노인장기호리풍험구유사회풍험성질。장기호리풍험적특정표명,장기호리풍험가이통과보험궤제래전이풍험,단시사인호리보험존재시장실령결함,수요건립공공장기호리보험제도화해중국실능노인장기호리재무풍험。
With the accelerating aging levels, the large number of disabled elderly in China, the high costs of long - term care insurance, and the small family structure, the function of family long- term care becomes more and more weakened, and makes the risk of long - term care for disabled elderly have the nature of social risk. The charac- teristics of long - term care risk indicate that such risk can be transfered through insurance mechanisms, but the private care insurance exists market failure defects, and needs us to establish a public long - term care insur- ance system to solve the financial risk of Chinese disabled elderly long - term care.
