基于泉州护理员调查的长期护理保险征缴模式建议
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摘要
目的为积极推进医养结合,有效结合泉州人口经济、护理员市场等实情调查,探索老年护理供需失衡下,适合本地区的长期护理险征缴制度建议。方法通过文献分析、专家咨询及对三家医院护理员工作实地现状调查访谈,收集数据进行统计学分析,并结合统计年鉴数据开展护理保险市场数据动态测算。结果共调查117名泉州工作护理员,结合调查所得工作时间、日均工资标准、2020年泉州老年人口数等,得出泉州市护理员劳动力总成本为11.98—29.89亿元之间,按个人征缴30%比例,测算40-65岁人口每年平均缴费144.74—361.12元。结论建议长护险推进应切实提供人力保障措施,在实现筹资多元化主体前提下,从城镇职工开始征缴并实现常态化调整,积极构建社会与商业长护险互补模式。
The objective of this paper is to actively promote the combination of medical treatment and health care,and based on the investigation of the population economy and the market of nursing assistant in Quanzhou city,provide suggestions on the establishment of a suitable model of collection and payment for long-term care insurance under the situation of unbalanced supply and demand in elderly care.Through literature analysis,expert consultation,field investigation and interviews on the working status of nursing staffs in three hospitals,the data are collected for statistical analysis and then combined with statistical yearbook data so as to carry out dynamic calculation of nursing insurance market data.On the survey of a total of 117 nursing assistants in Quanzhou,it is found that the total labor cost of nursing staff in Quanzhou is between RMB 1.198-2.989 billion on the basis of the working hours,average daily wages and the number of elderly population in Quanzhou in2020,if the proportion of individual levy is 30%,it is estimated that the average annual payment of people aged40-65 is RMB 144.74-361.12.It is suggested that measures on human resources should be adopted in accordance with the promotion of long-term insurance.On the premise of realizing the diversification of capital provider,urban workers shall start to pay for the insurance and it need to be gradually normalized,as a way to construct a complementary model between social long-term insurance and commercial long-term insurance.
The objective of this paper is to actively promote the combination of medical treatment and health care,and based on the investigation of the population economy and the market of nursing assistant in Quanzhou city,provide suggestions on the establishment of a suitable model of collection and payment for long-term care insurance under the situation of unbalanced supply and demand in elderly care.Through literature analysis,expert consultation,field investigation and interviews on the working status of nursing staffs in three hospitals,the data are collected for statistical analysis and then combined with statistical yearbook data so as to carry out dynamic calculation of nursing insurance market data.On the survey of a total of 117 nursing assistants in Quanzhou,it is found that the total labor cost of nursing staff in Quanzhou is between RMB 1.198-2.989 billion on the basis of the working hours,average daily wages and the number of elderly population in Quanzhou in2020,if the proportion of individual levy is 30%,it is estimated that the average annual payment of people aged40-65 is RMB 144.74-361.12.It is suggested that measures on human resources should be adopted in accordance with the promotion of long-term insurance.On the premise of realizing the diversification of capital provider,urban workers shall start to pay for the insurance and it need to be gradually normalized,as a way to construct a complementary model between social long-term insurance and commercial long-term insurance.
引文
[1]郑秉文.中国养老金发展报告2017——长期护理保险试点探索与制度选择[M].北京:经济管理出版社,2017:1-11.
[2]张沼婢.《“健康泉州2030”行动规划》印发:2030年泉州人均预期寿命80岁[N].泉州晚报,2018-07-05(001).
[3]中国老年社会追踪调查.中国老年社会追踪调查新闻发布会报告[EB/OL].http://class.ruc.edu.cn/index.php?r=news/newsabout&aid=7,2016-03-04.
[4]刘金涛,陈树文.我国老年长期护理保险筹资机制探析[J].大连理工大学学报(社会科学版),2011,(3):44-48.
[5]孙洁,蒋悦竹.我国长护险筹资机制[J].中国金融,2017,11(21):58-60.
[6]孙洁,蒋悦竹.社会长期护理保险筹资机制理论分析框架[J].江西财经大学学报,2018,(1):59-68.
[7]朱铭来,朱浩.长期照护保险的筹资规模和机制探讨[J].中国医疗保险,2016,9(9):31-33,37.
[8]海龙.我国高龄老人长期护理需求测度及保障模式选择[J].西北人口.2014,(2):40-44.
(1)资料来源:2017年泉州市统计年鉴,泉州市统计局网站主页。
[2]张沼婢.《“健康泉州2030”行动规划》印发:2030年泉州人均预期寿命80岁[N].泉州晚报,2018-07-05(001).
[3]中国老年社会追踪调查.中国老年社会追踪调查新闻发布会报告[EB/OL].http://class.ruc.edu.cn/index.php?r=news/newsabout&aid=7,2016-03-04.
[4]刘金涛,陈树文.我国老年长期护理保险筹资机制探析[J].大连理工大学学报(社会科学版),2011,(3):44-48.
[5]孙洁,蒋悦竹.我国长护险筹资机制[J].中国金融,2017,11(21):58-60.
[6]孙洁,蒋悦竹.社会长期护理保险筹资机制理论分析框架[J].江西财经大学学报,2018,(1):59-68.
[7]朱铭来,朱浩.长期照护保险的筹资规模和机制探讨[J].中国医疗保险,2016,9(9):31-33,37.
[8]海龙.我国高龄老人长期护理需求测度及保障模式选择[J].西北人口.2014,(2):40-44.
(1)资料来源:2017年泉州市统计年鉴,泉州市统计局网站主页。