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中国长期护理保险研究进展与展望

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随着人口老龄化程度的加深,长期护理保险作为规避老年人长期护理风险的主要金融工具得到越来越多的关注。通过文献梳理发现,我国以长期护理保险为主题的研究经历了护理、长期护理、长期护理保险和医养结合四个阶段,研究内容从纯医学角度向失能特点、影响因素、保险需求、制度建设以及养老(服务)模式等方向过渡。随着长期护理保险试点工作的推进,学者们开始从个人、家庭和社会三个层面对试点效果进行评估,但是评估的方向较窄而且结果具有不一致性,需要进一步扩展和完善。因此,需要在已有结果的基础上,从长期护理保险健康发展的角度展望未来的研究方向。
Research Progress and Prospect of Long-Term Care Insurance in China
With the deepening of population aging,the risk of long-term care is increasing.As the main financial instrument to avoid the risk of long-term care,long-term care insurance has attracted more and more attention.By combing the literature on long-term care insurance in China,it is found that the research on long-term care insurance in China has experienced four stages:nursing,long-term care,long-term care insurance,and the combination of medical care and nursing,showing a gradual development trend.The research content is from the per-spective of pure medicine to the direction of disability characteristics,influencing factors,insurance demand,system construction,and pension(service)modes.With the advancement of the pilot project of long-term care insurance,the pilot effect has been evaluated from three aspects:individual,family,and society.However,the evaluation directions are narrow and the results are inconsistent,which needs to be further ex-panded and improved.Based on the existing results,this paper prospects the future research direction from the healthy development direction of long-term care insurance.

Long-term care insuranceKnowledge mapCluster analysisPolicy evaluationProgressExpectation

郑敏、陈辉、刘子宁、张楠楠

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中央财经大学 中国精算研究院,北京 100081

中央财经大学 保险学院,北京 100081

长期护理保险 知识图谱 聚类分析 政策评估 进展 展望

北京市社会科学基金一般项目

21JJB018

2024

经济研究导刊
黑龙江省报刊出版中心

经济研究导刊

CHSSCD
影响因子:0.313
ISSN:1673-291X
年,卷(期):2024.(6)
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