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南京医科大学学报（社会科学版）京医科大学学报（社会科学版）
· 54 · Journal of Nanjing Medical University（Social Sciences）of Nanjing Medical University（Social Sciences） 2022年2月
Journal

Study on the financing mechanism of long⁃term care insurance in

Anhui Province

MA Guangbo，ZHANG Panpan
School of Finance and Public Administration，Anhui University of Finance and Economics，Bengbu 233030，China
Abstract：The increasing degree of aging and the increase in the number of disabled people is one difficult
issue faced by our society，and the long⁃term care insurance system plays an important role in solving this
problem. There are some problems in the financing mechanism of long⁃term care insurance in China，such as
insufficient coverage of participants，single financing channel，different financing level，lack of financing
incentive measures and so on. The insured objects in Anhui Province are divided into urban workers and urban
and rural residents，and the disabled are divided into mild，moderate and severe levels. 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 International Labour Organization（ILO）actuarial model. The results show that in 2019，the
contribution rate of the insured population of medical insurance for urban workers in Anhui Province is 0.14%，
and urban residents need to pay 96.77 yuan a year. Based on the discussion of the financing level of long⁃term
care insurance in Anhui Province and the shortcomings of the financing mechanism in China，this paper puts
forward some suggestions for optimizing the design of the financing mechanism of long⁃term care insurance in
Anhui Province.
Key words：long⁃term care insurance；financing level；ILO model