摘要：近几年，我国的老年人口数量不断增加，如何解决老年人的养老问题也成为了新时代背景下的一个重大问题。长期护理险的出现是为了能够保障老年人的生活与权益，长期护理险制度不仅仅可以填补我国社会保障体系的一个空白，解决老年人的护理问题，还能为老年人的老年生活提供保障，同时减轻成年人的赡养压力。我国的长期护理保险起步比较晚，与发达国家相比还不成熟，仍处于萌芽阶段。本文将在发达国家长期护理险的经验分析的基础上结合笔者自己的调研,着重在“长期护理险的可行性”、“国外长期护理保险对我国的启示”、“我国实行长期护理保险可行性设想”三个方面进行阐述。从以上三方面研究得出结论:首先，我国对于长期护理保险的需要十分迫切；其次，我国必须发展基于我国国情的长期护理保险体系；最后，在探索长期护理保险的过程中可借助国外的经验及启示。80382

毕业论文关键字： 长期护理险；可行性；社会保障

Feasibility Analysis of Long - term Nursing Insurance in China

Abstract：In recent years, the number of the elderly in our country has been rising, and the focus of society has also gathered on how to solve the old-age problem。 In order to be able to make the lives and interests of the elderly are guaranteed, long-term care insurance slowly into the people's vision。 Long-term care system can not only fill a gap in our social security system, solve the elderly care problems, but also for the elderly to provide protection for the elderly life, while reducing the pressure on adult support。 China's long-term care insurance started relatively late, compared with the developed countries is still not mature, still in the embryonic stage。 This article will be based on the empirical analysis of long-term care insurance in developed countries combined with the author's own research, focusing on the 

"long-term care insurance feasibility", "foreign long-term care insurance on China's inspiration", "China's long-term care insurance feasibility Design "three aspects to elaborate。 First of all, China's long-term care insurance needs for the urgent; Second, China must develop based on China's national conditions of long-term care insurance system; Finally, in the process of exploring long-term care insurance with the help of foreign experience and revelation。

Key words: Long-term care insurance; feasibility；Social Security

目  录

一、绪论 1

（一） 研究背景 1

（二） 研究目的 1

（三） 研究思路 2

二、长期护理险概述 2

（一） 长期护理险的基本概念 2

1、 健康保险的定义 2

2、 长期护理的定义 2

3、 长期护理保险的定义 3

（二） 长期护理保险的可行性 3

1、 需求因素 3

2、 机构设施因素 4

3、 产品因素 4

4、 人力资源因素 4

5、 价格或筹资因素 5

三、研究方法 5

（一） 文献分析法 5

（二） 调研法