Study On Matching Of Financing And Demand Of Long-term Nursing Insurance In Qingdao Under The Current Payment Rate

Exploring and establishing long-term care insurance is one of the important measures to cope with the aging population.In July 2012,Qingdao officially launched a long-term care insurance system for urban workers and residents.In fact,under the background of population dynamics,especially with the deepening of population aging,Qingdao's pilot scheme of long-term passport insurance has a slight balance of revenue and expenditure under the 7% contribution rate,but the premise of stability is that since the urban-rural co-ordination in 2015,20% of the staff's medical account balances have been allocated one-time as operating funds,totaling 1.98 billion yuan.This is precisely because of this.The support of sub-funds can ensure the stable operation of long-term care insurance in Qingdao.Therefore,whether the actual contribution rate in the pilot scheme can support the balance between fund raising and demand of long-term care insurance in the future and whether the contribution rate of long-term care insurance financing is reasonable need further research and analysis.Firstly,based on the premise that Qingdao's long-term care insurance operates well on the basis of 1.98 billion yuan of funds,an empirical analysis is carried out from the perspective of fund raising and demand of Qingdao's long-term care insurance in the future,in order to demonstrate whether the existing contribution rate can meet the operation of Qingdao's long-term care insurance system in the future.Through forecasting the financing and demand of long-term nursing insurance in Qingdao in the future,we draw the conclusion that under the current payment rate of long-term nursing insurance system in Qingdao,the operation of long-term nursing insurance system in Qingdao can be guaranteed in the short term,but in the long run,it is faced with the problem that the fund-raising is insufficient to support the fund demand.Therefore,the long-term nursing insurance in Qingdao must adopt some measures.Policies should be adopted to ensure the long-term development of the long-term care insurance system.Secondly,on the premise of imbalance between financing and demand of long-term care insurance in Qingdao,using ILO financing model adopted by ILO in the field of social medical and health insurance,this study obtains long-term care in Qingdao through four sub-models: population and economy model,budget income model,cost estimation model,and contribution rate model under the principle of "balance of payments".The theoretical value of insurance contribution rate is compared and evaluated with the actual value of Qingdao's current long-term care insurance contribution rate,so as to study and verify the rationality of the implementation of Qingdao's long-term care insurance pilot policy contribution rate.In conclusion,this paper argues that,in order to promote the construction of long-term care insurance system in Qingdao,we must first slowly raise the payment rate of long-term care insurance in Qingdao according to the economic and social development and the continuous changes of social assessment wages in Qingdao,so as to achieve the goal of matching the fund-raising and demand of long-term care insurance in the future.Secondly,the long-term care insurance system needs to break away from the framework of medical insurance to ensure its independence,so as to promote the stable and healthy development of the long-term care insurance system.Third,we must support social forces to participate in long-term care and elderly care services,encourage commercial insurance to participate in the development process of long-term care insurance,and use market-oriented means to promote the steady progress of long-term care insurance system in Qingdao.