Research On The Financing Mechanism Of The Long-term Care Insurance System

This article mainly studies the financing mechanism of the long-term care insurance system to ensure the effective raising of funds for the long-term care insurance system and to provide a reference for the formal establishment of a long-term care insurance system in the future.Developed countries have achieved good results in the practice of the long-term care insurance system,and at the same time,many problems have been exposed.Among them,fundraising is the main problem facing system construction,and effective fundraising is the prerequisite for providing nursing services.Therefore,in order to make the funds paid by the insured correspond to the services received,this article mainly studies the financing mechanism of the long-term care insurance system from the perspective of financial balance.Through the analysis of various financing elements,the funding mechanism is established,and according to relevant data Measure the balanced rate of long-term care insurance.First,this article defines the concept of long-term care insurance and introduces the relevant theories of financing long-term care insurance.Then,the fund-raising principles of the long-term care insurance system were analyzed,and the principles of equity,responsibility sharing,and financial balance should be followed.The fundraising mechanisms in the pilot areas were compared and compared.Moderate range of funding levels.Secondly,the long-term care insurance systems in Germany,the Netherlands,and Israel were selected for research.All three countries have established long-term care insurance systems in the latter part of the last century.Their systems have been in operation for decades and have sufficient experience.By analyzing the financing mechanism of long-term care insurance in these three countries,we hope to provide reference for improving the long-term care insurance system in China.Then,based on the determined funding mechanism,in accordance with the principle of financial balance,based on China Health and Pension Tracking Survey Project Data(CHARLS)and population projection data of the United Nations Population Division,a macro simulation model was established to calculate the funding rate for the longterm care insurance system.According to the different proportions of the burdens of the parties,three high,medium and low funding schemes have been formulated.The research results show that the number of disabled elderly people at each level of disability will increase more slowly in the future.The elderly with mild disability account for a larger proportion,the elderly with moderate and severe disability account for a smaller proportion,and the total disabled population will be before 2030.The growth rate is rapid,and then the growth rate is relatively flat.After 2045,we will see rapid growth again,and long-term care expenses will increase year by year,and the balanced rate of long-term care insurance will also show a trend of rising and then decreasing in the future.It will increase to 2.7% by 2035 and then drop to 2.0% by 2050.Finally,the existing social insurance system is analyzed.Due to the large funding balance of existing social insurance projects,the existing projects can be restructured to make room for the rate for long-term care insurance projects and integrate them into existing ones.Social insurance system.This paper is oriented from the perspective of financial balance,focusing on the construction of a long-term care insurance financing mechanism,determining each financing element,and establishing a macro simulation model for empirical calculations to maintain the financial balance of the system so that the system can run stably.