长期护理保险的理论研究：进展与前景

摘要

China entering the aging society and increasing of the families with small structures and empty-nest families leads to changes on the traditional mode of family support, and growing the demand for specialized care. The uncertainty of occurring long-term care state and the rising cost of formal care making the risk of long-term care more prominent, and will be an impor- tant social risk. Therefore, development of long-term care insurance in China has a huge market space. The article reviews the recent progress in the theory of long-term care insurance from the view of demand, pricing and operation pattern, and puts for- ward the directions for further research.%随着中国步入老龄化社会、家庭结构小型化和空巢家庭增加，导致了传统家庭养老模式的转变，老年人对专业化护理的需求日益增长。长期护理状态发生的不确定性以及专业护理费用的攀升，使得长期护理风险愈加突出，并将成为一种重要的社会风险。因此，开发长期护理保险产品在我国存在巨大的市场空间。本文从长期护理保险的需求、定价以及运作模式等方面回顾了国内外长期护理保险的理论研究进展，同时提出了需要进一步研究的领域和方向。