Research On The Financing Mode Of Long-Term Care For The Rural Elderly

"The thirteenth five-year planning proposal","Issuing medical support combined with focus on the division of tasks for the notice " and "Guidance on financial support for the accelerated development of the pension service industry" have been proposed to do the elderly care services, to encourage the elderly to insure long-term care insurance products. Further development, including long-term care insurance business, many elderly care insurance products, encourage conditional place to explore the establishment of long-term care insurance system and actively explore diversified financing mode, to protect the elderly long-term care service needs.Since 2000, China entered the aging society, the aging of the population continues to speed up the pace. Along with social progress and economic development, the aging of population in China shows the characteristics of aging and the empty nest. On the other hand, under the dualistic structure of urban and rural, China’s rural economic development and farmers’income are lower than the urban, but the extent and speed of its population aging is higher than that of the cities. As the age increases, the physical function of the elderly in rural areas is gradually reduced, and they can not take care of themselves. The demand for long-term care services increases gradually. Long term care financing mode is the economic basis of long-term care services.The current rural elderly long-term care fiancing mode of Changzhutan area mainly through the medical security system and pension security system, including the source of funds, the level of financing and financing patterns. Although the development of long-term care for the rural elderly is good, but its financing mode still faces many difficult problems, the problem mainly includes three aspects:sources of financing are mainly individuals and families, the level of financing can not meet the long-term care needs and financing way is simple. Restricting factors mainly including institutional factors, economic factors and concept factors. Therefore, the rural elderly long-term care financing mode needs to be improved. As a systems engineering, can from the following three aspects:the first is to broaden the channels of funding sources; the second is to determine a reasonable financing level; third, enrich the pattern of financing, so as to promote the development of long-term care for the rural elderly.