The Study Of Government Responbilities Based On Demand Analysis Of Long-Term Care Insurance

In2000, China formally entered the aging society. Our government is very attention to a series of pension problem that aged society brings. And With the deepening of the ageing process, long-term care problem of aged people become urgent. China is facing rapidly aging pressures under the huge population base. There is a huge potential for long-term care needs and it already left a seat vacant for our country. There are no ways to solve old people problem such as medical and life, If our country do not some preparations for aging society by material and institutional foundation.This paper cite a interpretation of Geluofu sitalin to government responsibility as a main point, That is" The government’s responsibility is to point to a government can actively to society to respond to the needs of the people, and take active measures, fair, efficient realize the needs and interests of the public."Through a comparative study of Japan, Germany and the United States’different models of long-term care insurance system, and sum up their useful advantage. This paper combine China’s aging degree, tendency of development of family structure miniaturization, economic development, increases in medical and nursing costs and the deficiency of the current social security. And it analyzes necessity of development of long-term care insurance in our country and the problems that occur. This paper is focus on Demand empirical analysis of the development of long-time care insurance in ChengDu and it explore demand of urban residents to long-term care insurance, and the impact of the demand of various factors. This paper research by questionnaire and use SPSS for system analysis. Finally, it use frequency analysis and Logistic regression analysis arrive at a conclusion that there is a huge potential demand for China urban residents for the long-term care insurance, and what the main factors affect long-term care insurance requirement are professional, income and Whether there is a family history of the demand for long-term care. By analysis of the questionnaire, summarized several big reason people have been reluctant to buy long-term care insurance.This paper is guided by Starling theory of government responsibility, and base on population ageing and economic development, Maslow’s hierarchy of needs, theory nursing economics and theory of welfare pluralism. And first, it combine various demands of Chinese urban residents of Chinese urban residents in Long-term care insurance demand, second it find a three-steps strategy of development of long-term care insurance in our country, third there have a analysis to government responsibility in all stages and different paths to long-term care insurance. This paper put forward the suggestion whether advocates in commercial insurance mode or government role under participate in long-term care insurance operations in the way of public-private partnerships or the government on long-term care service innovation support under social insurance mode. This paper put forward the suggestion positively for government responsibility of long-term care insurance and lay a solid foundation for the sustainable development of the long-term care insurance.