本文選題：政策性保險(xiǎn)　切入點(diǎn)：長(zhǎng)期護(hù)理保險(xiǎn)　出處：《保險(xiǎn)研究》2017年08期 　論文類型：期刊論文

【摘要】：隨著我國人口老齡化程度不斷加劇,政策性長(zhǎng)期護(hù)理保險(xiǎn)作為一種解決失能老年人長(zhǎng)期照護(hù)問題的新型模式,逐漸受到社會(huì)各界的關(guān)注。政策性長(zhǎng)期護(hù)理保險(xiǎn)的順利開展離不開政府支持特別是財(cái)政補(bǔ)貼,但目前具體的補(bǔ)貼思路尚未形成。本文以北京市為例,從政府角度出發(fā)研究政策性長(zhǎng)期護(hù)理保險(xiǎn)最優(yōu)補(bǔ)貼比例與保險(xiǎn)覆蓋率間的函數(shù)關(guān)系及影響因素。研究結(jié)果顯示:單一的保費(fèi)補(bǔ)貼方式并不能充分調(diào)動(dòng)商業(yè)保險(xiǎn)公司的積極性和發(fā)揮政府補(bǔ)貼效用,因此應(yīng)建立綜合全面的政策性長(zhǎng)期護(hù)理保險(xiǎn)補(bǔ)貼制度;最優(yōu)補(bǔ)貼比例與保險(xiǎn)覆蓋率之間同時(shí)存在需求函數(shù)及約束條件下最優(yōu)化函數(shù)關(guān)系;除保險(xiǎn)覆蓋率之外,保險(xiǎn)產(chǎn)品價(jià)格、政府補(bǔ)貼支出額度、投保人初始財(cái)富以及風(fēng)險(xiǎn)偏好等因素均可以對(duì)最優(yōu)補(bǔ)貼比例形成一定影響。
[Abstract]:With the increasing aging of the population in China, the policy long-term care insurance is a new model to solve the problem of long-term care for the disabled elderly. The policy long-term care insurance can not be carried out without government support, especially financial subsidies, but the specific subsidy thinking has not yet been formed. This paper takes Beijing as an example. From the angle of government, this paper studies the functional relationship between the optimal proportion of policy long-term care insurance subsidy and insurance coverage and its influencing factors. The results show that a single premium subsidy method can not fully mobilize commercial insurance companies. The initiative of the Department and the effectiveness of government subsidies, Therefore, we should establish a comprehensive policy long-term care insurance subsidy system, the optimal proportion of subsidies and coverage of insurance at the same time there is a demand function and constraints under the optimal functional relationship, in addition to insurance coverage, the price of insurance products, Some factors, such as the amount of government subsidy expenditure, the initial wealth of the policy holder and the risk preference, can affect the optimal subsidy ratio to some extent.
【作者單位】： 對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)保險(xiǎn)學(xué)院;
【基金】：2016年教育部人文社會(huì)科學(xué)研究規(guī)劃基金項(xiàng)目“人口移出老齡化背景下我國農(nóng)村失能老年人‘居家扶助型’養(yǎng)老模式研究”(項(xiàng)目批準(zhǔn)號(hào):16YJA840004) 中國人民大學(xué)科學(xué)研究基金重大規(guī)劃項(xiàng)目“健康老齡化視域下的中國老年照護(hù)體系研究”(項(xiàng)目批準(zhǔn)號(hào):17XNLG08) 對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)社會(huì)保障學(xué)特色學(xué)科(項(xiàng)目批準(zhǔn)號(hào):8110051103)的階段性研究成果
【分類號(hào)】：F812.45;F842.6

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