人口老龄化背景下我国长期护理保险监管研究

Research on China’s Long-Term Care Insurance Supervision under the Background of Population Aging

摘要: 现阶段我国已进入老龄化社会，预计未来几十年老龄化的程度还会进一步加深。人口老龄化的日益加剧会导致失能人群规模迅速扩大，而与此相对的却是长期护理保障供给不足，供需失衡下的长期护理成为迫在眉睫的社会问题，加快形成多层次长期护理保险制度的任务更加迫切。而由于目前在失能评估环节的准确度和护理服务环节的透明度等方面仍存在不足，长期护理保险相较于其他类保险更易发生道德风险，故对长期护理保险制度的发展提出了更高的要求。文章通过梳理我国长期护理保险发展现状及面临的监管挑战，对加强和改进现有监管方式给出了一些政策性建议。

Abstract: At the present stage, China has entered an aging society, and it is expected that the degree of aging will deepen in the coming decades. The increasing aging of the population will lead to a rapid ex-pansion of the size of the disabled population, while the supply of long-term care insurance is in-sufficient, and long-term care under the imbalance between supply and demand has become an urgent social problem, and the task of accelerating the formation of a multi-level long-term care insurance system has become more urgent. Due to the shortcomings in the accuracy of disability assessment and the transparency of care services, long-term care insurance is more prone to moral hazard than other types of insurance, thus posing higher requirements for the development of long-term care insurance system. This paper provides some policy recommendations to strengthen and improve the existing regulatory approach by reviewing the current situation and regulatory challenges of long-term care insurance development in China.