首页|浅析长期护理保险与养老金融的协同发展

浅析长期护理保险与养老金融的协同发展

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养老金融是应对人口老龄化,满足人们多元化养老需求的必要举措。但是,日益严峻的老年失能风险,可能加剧养老金金融发展不均衡,养老产业金融融资难、投资方向偏差,养老金融服务产品供需不匹配等问题。因为长期护理保险制度是化解老年失能照护经济负担的有效措施,所以我国养老金融应该探索与长期护理保险制度的协同发展路径,打通长期护理保险基金与养老金的制度通道,设计多层次的长期照护保障服务产品,打造护理服务产业、护理产品产业、护理医疗产业的养老健康产业链。
Analysis of the Synergistic Development of Long-Term Care Insurance and Aging Finance
Aging finance is a necessary measure to cope with the aging of the population and to meet the diversified needs of the elderly.However,the increasingly severe risk of old age disability may exacerbate the problems of unbalanced development of aging finance,difficulties in financing the pension industry,biased investment direction,and mismatch between the supply and demand of pension financial service products.The long-term care insurance system is an effective measure to ease the financial burden of old age disability,So China's aging finance should explore a collaborative development path with the long-term care insurance system,break down institutional barriers between long-term care insurance funds and pensions,and design multi-level long-term care protection service products to create an elderly health industry chain encompassing care services,care products,and care medical services.

aging financerisk of elderly disabilitylong-term care insurance systemcollaborative development

朱铭来、李涛

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南开大学金融学院,天津 300350

青岛大学经济学院,山东青岛 266061

养老金融 老年失能风险 长期护理保险制度 协同发展

国家自然科学基金面上项目中国博士后科学基金面上项目

723741142021M700413

2024

东方论坛
青岛大学

东方论坛

CHSSCD
影响因子:0.116
ISSN:1005-7110
年,卷(期):2024.(4)
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