Comparative Study On Financing Models Of Long-term Care Insurance In Germany,Japan And Korea

In recent years,the problem of population aging in our country has become more and more serious.The aging problem has brought a sharp increase in the demand for nursing care.At the same time,the miniaturization of family structure weakens the traditional home care function,and the price of nursing care products increases the cost of traditional home care.Most families can’t afford it,Therefore,nursing needs can not be satisfied.Under this background,it is urgent to establish long-term care insurance system,and the most important problem is the financing model design.Different from our initial pilot phase,Germany,Japan and South Korea have taken one step ahead in the construction and operation of the long-term care insurance system.After many years of operation and reform,the long-term care insurance system in various countries is becoming more and more perfect,so its practical experience can provide valuable experience for our country.This paper selected three countries,Germany,Korea and Japan,as the object of study.The three countries are social long-term care insurance model,combining theory and practice to study the long-term care insurance system in three countries and deeply analyzing the operating mechanism of the financing mode.By systematically combing and comparing insurance objects,payment stipulate and financial subsidies,attempting to provide dual enlightenment of commonness and individuality for our country.Furthermore,in order to investigate the reference of countries,we use simulation method to combine the long-term care insurance financing model in three countries and the actual data of population and care cost in our country and the actual conditions of "duality" in urban and rural areas of our country to calculate the contribution rate.At the same time,deeply analyzing the reasons of the discrepancy of the calculation results,and providing references for the design of long-term care insurance financing model and long-term care insurance system in our country.Finally,on the basis of theoretical comparison and empirical analysis,the paper summarizes and analyzes the enlightenment of German,Japanese and Korean models to China and Korea of low level start and step by step development path is worth us to emulate.At the same time,putting forward some suggestions on the design of the financing mode of nursing insurance in China:three steps to expand the coverage;mutual aid,the introduction of supporting nursing preferential policies;speeding up the construction of nursing resources,creating a flexible payment mechanism.