發(fā)布時(shí)間：2018-05-29 04:05

  本文選題：長(zhǎng)期護(hù)理 + 長(zhǎng)期護(hù)理保險(xiǎn)��； 參考：《河北大學(xué)》2015年碩士論文

【摘要】：隨著我國(guó)步入老齡化社會(huì),失能老人不斷增多和家庭規(guī)模小型化的特殊國(guó)情,使得我國(guó)老年人長(zhǎng)期護(hù)理的需求不斷增加,而護(hù)理供給資源的匱乏使得護(hù)理服務(wù)高端化、護(hù)理費(fèi)用高額化,這些都給個(gè)人家庭和社會(huì)帶來了沉重的負(fù)擔(dān)。我國(guó)當(dāng)前的經(jīng)濟(jì)發(fā)展水平和社會(huì)保險(xiǎn)制度決定了在現(xiàn)階段我國(guó)還不能建立一個(gè)全國(guó)范圍內(nèi)統(tǒng)一的社會(huì)型長(zhǎng)期護(hù)理保險(xiǎn)制度,而目前現(xiàn)有的商業(yè)性長(zhǎng)期護(hù)理保險(xiǎn)又由于保障范圍窄、定價(jià)較高等原因?qū)е缕渥饔冒l(fā)揮存在一定局限性。因此,尋求一種適合我國(guó)國(guó)情的長(zhǎng)期護(hù)理保險(xiǎn)制度發(fā)展道路顯得尤為重要。本文研究的核心是我國(guó)長(zhǎng)期護(hù)理保險(xiǎn)的發(fā)展和長(zhǎng)期護(hù)理保險(xiǎn)制度構(gòu)建的問題。首先介紹了長(zhǎng)期護(hù)理保險(xiǎn)的相關(guān)概念和我國(guó)長(zhǎng)期護(hù)理保險(xiǎn)總體供給現(xiàn)狀,并深入分析了發(fā)展中存在的困難和問題。然后通過問卷調(diào)查獲取我國(guó)中老年人對(duì)長(zhǎng)期護(hù)理和長(zhǎng)期護(hù)理保險(xiǎn)的需求狀況,并對(duì)獲得的影響因素?cái)?shù)據(jù)進(jìn)行實(shí)證分析,得到長(zhǎng)期護(hù)理需求相關(guān)影響因素的定性結(jié)論。并結(jié)合美德日三國(guó)長(zhǎng)期護(hù)理保險(xiǎn)發(fā)展經(jīng)驗(yàn)對(duì)我國(guó)的啟示,最終提出針對(duì)我國(guó)國(guó)情的長(zhǎng)期護(hù)理保險(xiǎn)制度的最終目標(biāo),即實(shí)現(xiàn)以社會(huì)型長(zhǎng)期護(hù)理保險(xiǎn)為主、商業(yè)險(xiǎn)長(zhǎng)期護(hù)理保險(xiǎn)為補(bǔ)充的多層次、廣覆蓋的長(zhǎng)期護(hù)理保險(xiǎn)制度,并提出了在構(gòu)建制度過程中的具體構(gòu)想和相應(yīng)政策建議,以期能對(duì)我國(guó)長(zhǎng)期護(hù)理保險(xiǎn)的發(fā)展和長(zhǎng)期護(hù)理保險(xiǎn)制度的構(gòu)建提供一定有益的參考。
[Abstract]:With China entering an aging society, the special national conditions of the increasing number of the disabled elderly and the miniaturization of the family size make the demand for long-term nursing of the elderly in our country increase constantly, and the shortage of nursing supply resources makes the nursing service high-end. The high cost of nursing care brings a heavy burden to the individual family and society. The current level of economic development and the social insurance system in China determine that at the present stage, China cannot establish a unified social long-term care insurance system throughout the country. However, the existing commercial long-term care insurance has some limitations due to its narrow scope and high price. Therefore, it is very important to find a way to develop long-term nursing insurance system. The core of this paper is the development of long-term nursing insurance and the construction of long-term nursing insurance system. This paper first introduces the related concepts of long term nursing insurance and the present situation of supply of long term care insurance in China, and analyzes the difficulties and problems existing in the development of long term care insurance. Then we obtain the demand of long-term nursing and long-term care insurance by questionnaire, and make an empirical analysis on the data of influencing factors, and get the qualitative conclusion of the influencing factors of long-term nursing needs. Combined with the experience of the development of long-term nursing insurance in the three countries of Germany and Japan, the ultimate goal of the long-term nursing insurance system, which is based on the social type of long-term nursing insurance, is put forward, which is based on the national conditions of our country. The long term nursing insurance of commercial insurance is complementary to the multi-level and wide coverage of the long-term care insurance system, and the concrete ideas and corresponding policy suggestions in the process of constructing the system are put forward In order to provide some useful reference for the development of long-term nursing insurance and the construction of long-term nursing insurance system in China.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F842.6

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本文編號(hào)：1949419