Financial Supply And Demand Balance Analysis Of Long-term Care Insurance In Jiangsu

With the deepening of China's aging degree,caused by the chronic diseases and the elderly disability,the number of the old man has skyrocketed.The change of family structure and family pattern,making the traditional functions of home care continue to weaken,how to solve the problem of disability of the elderly long-term care is imminent.As one of the most serious region of aging in our country,Jiangsu province should take the lead in the introduction of long-term care insurance system,so as to cope with the huge financial risk.In this paper,from the long-term care insurance in Jiangsu Province's financial demand and financial supply perspective,the target from applied research long-term care insurance system in Jiangsu Province's financial balance,so as to provide reference for the system in the national promotion after using for reference.First of all,this article is based on the census,the leading group of Jiangsu Province,Jiangsu province population forecast data and the elderly population health investigation team(CLHLS)about the old man lost electrical data in China,the utilization of different nursing care model reference Germany,by applying the method of cost structure,it is concluded that occupy the home nursing,community nursing,nursing three methods of cost,for jiangsu province in 2015-2030 the financial needs for measuring the long-term care insurance.Then,the paper analyze private long-term care insurance and long-term care insurance system in order to compare two kinds of public finance mode,concluding the public long-term care insurance is Jiangsu Province's best choice,and Jiangsu Province financial terms of long-term care insurance system mode of supply,insured object,benefit levels,payment methods made designs.Base on the fund balance principle and pay-as-you-go system model,calculating the long-term care insurance contribution rate of 1.03%in 2015 and the contribution rate of 1.93%in 2030.Finally,the United States and Japan on the financial equilibrium long-term care insurance system are analyzed,and combine with the actual situation of Jiangsu Province,put forward policy recommendations for the future conducting Jiangsu Province financial equilibrium long-term care insurance system,and draw the relevant conclusions.