摘要
[目的]测算2020-2050年我国长期护理保险财务负担,为长期护理保险筹资提供决策参考。[方法]基于国家统计年鉴、人口普查数据、CHARLS(2015)调查数据库等,对3类缴费人群的长期护理保险财务负担进行预测。[结果]2020-2050年我国长期护理保险总体缴费率分别由1.85%、0.92%、2.00%增长至5.01%、2.49%、5.42%。财政补贴率由0.031‰增长至0.084‰,企业缴费率、个人缴费率分别介于0.52%~3.08%、0.38%~2.26%。[结论]我国长期护理需求愈发旺盛,企业缴费压力沉重,财政与个人有能力分担筹资压力,亟需建立广覆盖、独立于医疗保险、筹资主体多元化的长期护理保险体系。
Objective Calculate the financial burden of long-term care insurance in China from 2020 to 2050 so as to provide reference for long-term care insurance financing.Methods Based on the national statistical yearbook,population census data and CHARLS(2015)survey database,the financial burden of long-term care insurance was predicted for three types of payers.Results From 2020 to 2050,the overall payment rates of long-term care insurance in China will increase from 1.85%,0.92%and 2.00%to 5.01%,2.49%and 5.42%.The government subsidy rate increased from 0.031‰to 0.084‰,and the enterprise contribution rate and individual contribution rate ranged from 0.52%to 3.08%and 0.38%to 2.26%respectively.Conclusions The demand for long-term care in China is increasingly strong,the pressure of enterprise payment is heavy,and finance and individuals have the ability to share the pressure of financing.It is urgent to establish a long-term care insurance system with broad coverage,independence from medical insurance and diversified financing subjects.
作者
陈倩
CHEN Qian(School of Public Management,Hohai University,Nanjing Jiangsu 211100,China)
出处
《卫生软科学》
2022年第5期81-85,共5页
Soft Science of Health
关键词
长期护理保险
基金可持续
收支平衡
费率
long-term care insurance
fund sustainability
balance of payments
contribution rate
