Shanghai Old Responsibility Of Government In The Development Of Long-term Care Insurance

The aging committee released figures showing that the disability, theelderly has reached33million in China, by the middle of this century will reachabout one hundred million people, the elderly need most is long-term careservices. But under the reality conditions of old before rich, our country is facedwith many differences with the developed countries, social medical securitysystem is not yet perfect, the public sector fiscal burden heavier, such as weakcommunity health care system, disability, the elderly long-term care largelyborne by the family. On the one hand is to the old man more and more, on theother hand is a disability elderly family more and more unbearable pressure onthis. Years of family planning policy has increasingly focused family pattern inour country, the4-2-1typical family structure makes the middle-aged couplesin the face of heavy pressure of work, it is difficult to deal with four old man anda child care responsibilities, let alone have a disability, old men, the presence ofthese practical difficulties, that’s very necessary for developing long-term careinsurance.Development of long-term care insurance can not only satisfy the disabilityof the elderly care needs, and can make medical security mode diversification,enriched the connotation of the social security is more. And as China’s financialcenter Shanghai, has developed financial market and regulatory system and astrong financial ability to support, can be completely took the lead to promotethe position of the long-term care insurance, exploring a suitable long-termcare insurance development path.But compared with developed countries, the long-term care insurance inShanghai still belongs to a new danger to plant, if like the United States in theform of commercial insurance, the insurance market in Shanghai maturity andperfection of supporting policies, it is not reasonable; Or like Germany and Japan, the long-term care insurance as a new branch of social insurancemandate, due to the population of Shanghai, the money is too big, notconducive to the development of urban economy. So for Shanghai, the nursingsystem should not be like the United States is a single commercial insurance,should not be like Germany and Japan、Netherlands is specialized compulsorysocial insurance, and should be a kind of multi-level model of insurance.Therefore, this article from the elderly long-term care insurance inShanghai the supply and demand two aspects of analysis, and draw lessonsfrom Germany, Japan and Nederland three developed countries experience,long-term care insurance system from the equilibrium of supply and demand oflong-term care insurance in Shanghai, explore in long term care insurance, thegovernment should bear corresponding responsibility.