我国长期护理保险筹资机制及安徽省筹资水平精算 研究
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安徽财经大学

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基于ILO模型的安徽省长期护理保险费率测算与优化对策研究


The financing Mechanism of long-term Care Insurance in China and the Budget of financing level in Anhui Province.Research
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    摘要:

    老龄化程度加剧,失能人数增加,是我国社会面临的又一大难题,长期护理保险制度在该问题的解决中发挥着重要的作用。我国长期护理保险筹资机制存在参保主体覆盖面不足、筹资渠道单一、筹资水平高低不等、筹资激励措施缺乏等问题。将安徽省参保对象分为城镇职工和城镇居民,将搜集整理的安徽省老年平均护理费用分为下限、中间值、上限三个等级,运用国际劳工组织ILO精算模型中的人口、收入、成本、结果等子模型测算安徽省长期护理保险筹资水平。测算结果显示,在三种不同平均护理成本额度下,2019年安徽省城镇职工基本医疗保险参保人员的缴费费率为分别为0.09%、0.16%、0.2%,城乡居民每年需要缴纳的金额分别为60.02元、115.26元、153.89元。根据精算的安徽省长期护理保险筹资水平以及我国长期护理保险筹资机制存在的不足,为安徽省长期护理保险筹资机制的设计提出优化建议。

    Abstract:

    the increasing degree of aging and the increase in the number of disabled people is another difficult problem faced by our society, and the long-term care insurance system plays an important role in solving this problem.?The fund-raising mechanism is the core of the long-term care insurance system, but in the pilot project of our country, there are some problems in the fund-raising mechanism, such as insufficient coverage of insured subjects, single financing channel, different financing level, lack of fund-raising incentive measures and so on.?In this study, the insured objects in Anhui Province are divided into urban workers and urban residents, and the average nursing expenses for the elderly in Anhui Province are divided into three levels: the lower limit, the middle value and the upper limit. The financing level of long-term care insurance in Anhui Province is calculated by using the sub-models of population, income, cost and results in the ILO actuarial model of the International Labour Organization.?The results show that under three different average nursing costs, the contribution rates of basic medical insurance for urban workers in Anhui Province in 2019 are 0.09%, 0.16% and 0.2% respectively, and the annual contributions of urban and rural residents are 60.02 yuan, 115.26 yuan and 153.89 yuan respectively.?According to the actuarial financing level of long-term care insurance in Anhui Province and the shortcomings of the financing mechanism of long-term care insurance in China, this paper puts forward some suggestions for optimizing the design of the financing mechanism of long-term care insurance in Anhui Province.

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  • 收稿日期:2021-12-28
  • 最后修改日期:2022-02-06
  • 录用日期:2022-02-07
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