Study On The Financing Model And Fund Balance Of The Elderly Long-term Care Insurance System In Liaoning Province

Liaoning Province’s aging level has advanced 4 years compared with the national level and entered an aging society in 1996.The aging process in Liaoning Province has brought a large number of elderly population to Liaoning Province.According to the data released by Liaoning Province in 2017,the total number of registered permanent residents in Liaoning Province will reach 42.325 million by 2017,with a total of 9.5874 million aged over 60,accounting for 22.65%.Among them,the number of people aged 60 to 69 increased by 294,400,accounting for 60.37%,reaching a total of 5,787,900.The elderly population between 70 and 79 years old is 2.5536 million,accounting for 26.63% of the elderly population.China implemented a family planning policy in September 1980,and the one-child policy changed the family structure in Liaoning Province to the "421" model.As the only children in the 1980 s and 1990 s grew up and left home to work,the number of "empty nesters" in Liaoning Province was also increasing.The current situation weakens the function of the care mode in Liaoning Province,where families are mainly responsible for caring for the elderly.In addition,the increasing average age of the elderly in Liaoning Province also makes the long-term care expenses for the elderly that families have to bear continue to rise,and the problem of insufficient social medical insurance for the elderly arises.A series of situations make it of great significance for Liaoning Province to establish long-term care insurance for the elderly.At present,Liaoning Province has not established a long-term care insurance system for the elderly.The research on the establishment of long-term care insurance for the elderly in Liaoning Province focuses on the financing channels of insurance funds.The main factor in the construction and implementation of the social system is capital.Only by ensuring the feasibility and stability of the system’s financing channels at the initial stage of the system construction can the implementation of the system be ensured.The first and second chapters of the article include the concept of long-term care for the elderly,longterm care insurance for the elderly and the mode of insurance financing.Using the methods of literature research,comparative analysis and ILO financing model,this paper analyzes the definition of financing subject in typical foreign countries and pilot cities in China,and on this basis forms a financing model from the factors of payment subject and payment proportion.According to the number and structure of the elderly population,the proportion of demand for old-age care,nursing methods and other influencing factors,the total insurance expenditure and total income are calculated to explore whether the goal of balanced fund collection can be achieved.Finally,the actual research contents in this paper are integrated to provide specific measures for the future system construction and implementation in Liaoning Province.