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摘要在踏入二十世纪之际，中国正式进入老龄化社会，65岁以上老年人口已经高达0.8811亿人，为总人口数量的6.96%，60岁以上人口达1.3亿人，占总人口10.2%。我国的老龄化进程不断加快的同时，社会家庭空巢化却日益严重，许多老人得不到很好的照顾，各种慢性病的发生率显著增加，由此导致老年人残障或者失能的可能性大大提高，医疗护理的成本也成为了社会普遍关注的问题。在这样的情况下，长期护理保险就应运而生了。我国的长期护理保险起步相对较晚，在这方面的研究都比较薄弱，不能有效地应对老龄化问题。况且长期护理保险的风险高,缺少相关的精算数据,风险管控技术落后等等,这些因素都束缚着我国长期护理保险更好地发展。本文首先介绍国外长期护理保险的现状，然后通过比较，得出国内的长期护理保险发展现状与国外的差异，紧接着基于供给的角度分析影响我国长期护理保险发展的因素，最后提出了发展我国长期护理保险的几点对策。45815
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毕业论文关键词：老龄化；长期护理；长期护理保险；供给
Abstract In 2000, China formally entered the aging society; the elderly population aged over 65 has reached 8,811 million, accounting for 6.96% of the total population and over 60 years old population of 130 million people, 10.2% of the total population. Our aging process is accelerated ceaselessly, but the community empty nest phenomenon is getting more and more serious that many elderly people are not well cared for, result in a significant increase in the incidence of various chronic diseases. This leads to the possibility of elderly disability greatly improve. The cost of medical care has also become a universal concern. In such a case, long-term care insurance came into being. Not only our long-term care insurance started late and research in this area is relatively weak that cannot effectively deal with the problem of aging, but also the risks of long-term care insurance is high, lack of actuarial data and risk control technology is backward. These factors restrict the development of our long-term care insurance. This paper describes the status of the domestic long-term care insurance first. Then by comparing the foreign excellent experiences to obtain the differences. Analysis of the factors affecting the long-term care insurance development in China based on the perspective of supply. Finally, summarizing the above analysis to explore the strategies of our long-term care insurance to better development.
Key Words：Aging; Long-term care; Long-term care insurance; Supply
目 录
摘 要 I
ABSTRACT II
一、长期护理保险基本概述 1
（一）研究背景 1
（二）长期护理保险 1
二、国外长期护理保险的发展现状 2
（一）美国的商业性长期护理保险 2
（二）德国的长期护理保险 3
（三）日本的介护保险 3
三、国内长期护理保险的供给现状分析 3
（一）我国长期护理保险供给现状 4
四、影响我国长期护理保险供给的因素分析 6
（一）风险高、风险控制技术的缺乏 7
（二）保险费率厘定难度大、精算数据复杂 7
（三）政府政策和相关法规的欠缺 8
（四）医疗保健市场不健全 8
五、改善我国长期护理保险供给情况的对策研究 9
（一）提高保险公司自身的风险管控技术和水平 9
（二）积极完善长期护理保险产品 10
（三）保险公司加强长期护理保险的宣传力度 10