The Study About The Construction Of Diversified Long-term Care Insurance In China

The population aging in China is beyond the modernization.When the elderly suffer from disability risk,they will fall into the “silver-poor state” because of their inability to purchase care services.It's necessary to construct a diversified system of long-term care insurance to meet the different degree of the elderly's long-term care needs.The long-term care insurance is the quasi-public product.This paper aims to explore the relationship between the main actors,and their behavior strategies in the construction process of diversified long-term care insurance system.Using the theory of social mutual-construction,this paper discusses the emergence of long-term care insurance from the perspective of the mutual-construction of "individual" and "social".According to multiple types of interaction,it also discourses how to construct a diversified long-term care insurance system based on the interdisciplinary structure of the plural subject,which is based on the recognition of each other's interests,respect for each other's status and the win-win situation.Nursing insurance diversified experience,analysis of long-term care insurance specific supply process.Considering the experience of mutual-construction in some typical countries,it analyzes the specific supply process of long-term care insurance.Under the support of the above research,combined with the development status of China's long-term care insurance system,the quantitative analysis method is used to quantify the diversification degree of China's long-term care insurance system from the long-term nursing insurance system and the long-term care insurance service system.In addition,the elderly individuals,government,market and social of action variables for correlation analysis and return analysis is aimed to confirm the main influencing factors and the impact of the direction,amplitude and significance.The results of data analysis show that the system of long-term care insurance system in China is incomplete and the service system is not perfect.The individual income level of the elderly is positively correlated with the degree of diversification of the long-term care insurance system,the family size is negatively correlated;the richness of the long-term care insurance products is positively correlated with the level of diversification;the increase in long-term care of human resources increases the degree of diversification with the highest correlation with social organizations;the government's ability to develop long-term care institutions and facilities is highly correlated with the diversity level.As a result,the government acts as the organizer of the rules,negotiators of cooperation,promoters of services and regulators of quality,playing a dominant and coordinating role;market and social return to the main body position of supply,accurately locate the disabled elderly care needs,provide a variety of products and services,play a role of supplement and supervision.Government,market and society work together to accumulate people,and establish a multi-level long-term care insurance system and long-term care insurance service system.