我国试点城市长期护理保险筹资效率研究

Research on the Financing Efficiency of Long-Term Care Insurance in Pilot Cities in China

摘要: 我国现阶段人口老龄化程度越来越加剧，且老年人口的生活问题渐渐出现，是以对长期护理的需求也是在逐步增长的。通过文献的总结梳理以及综合我国试点地区长期护理保险筹资现状，通过数据包络分析方法评估长期护理保险筹资效率，以基金收入、人均缴费水平、人均财政补贴水平为投入指标，覆盖率、享受待遇人数和给付水平为产出指标的评价指标体系进行研究。结果发现：不同试点地区之间筹资效率有明显的差别，且资金筹集与待遇支付方面也相差较大。各地区应明确筹资主体的责任，提高资金的利用效率，为长期护理保险未来的发展打下坚实的基础。

Abstract: At this stage, the aging of the population in our country is becoming more and more serious, and the life problems of the elderly population are gradually appearing, so the demand for long-term care is also gradually increasing. By summarizing the literature and integrating the current status of long-term care insurance financing in pilot areas in my country, and evaluating the financing efficiency of long-term care insurance through data envelopment analysis, using fund income, per capita contribution level, and per capita financial subsidy level as input indicators, coverage rate, the number of people enjoying benefits and the level of payment to make up the evaluation index system of output indicators to conduct the research. The results found that there are obvious differences in financing efficiency between different pilot areas, and there is also a big difference in fundraising and treatment payment. All regions should clarify the responsibilities of fundraising entities, improve the efficiency of fund utilization, and lay a solid foundation for the future development of long-term care insurance.